Some bogeymen are real. There may not be a police car or an ambulance when you very much want one. Earthquakes and such are no respecters of persons. And if history shows us anything, it is that things do not stay the same. You know these things.
Humans are pretty good at coping, if they have half a chance.
What's more, some of the practical steps you can take towards dealing with life in an uncertain world turn out to be part of a lifestyle that can be an antidote of sorts to some of the madness of modern life. If you don't agree that modern life seems a bit mad sometimes, well, ignore this part. And if you're convinced that nothing bad will ever happen and that thinking about it doesn't make any sense, well, ignore that part too. Good luck to you. Self-reliance is just a rational way of life in a world that seems more dehumanized and automatic every day.