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RE: There's a name for the unprepared: Victims.
It starts small with the idea that things go wrong sometimes.
That's good. I should probably think about 'what if' scenarios. You get spoiled living in Finland. Most of the mild scenarios end in 'Nah, it'll be fine.' But I should consider a wider range of scenarios including lesser likely ones. Then I can think more about how to be prepared for such things.
Sounds good. Hopefully you never get into a scenario where you feel out of control however it's not inconceivable that it could happen. Thats really the point of my post I guess. That to be prepared doesn't mean a bunker in the back yard necessarily. Has anyone ever fallen through the ice and into a lake? They would need rescuing and some action would be required. Being prepared for that would be a good idea I think.