Maybe another word would be more appropriate.
Again, you just don't get it. Many people are very responsible planners. You are not unique. There are just some situations that you can't plan for.
And I promise you, the Affordable Healthcare Act isn't going to fly you to another country, pay for your food and lodging, and pay for your year long experimental treatment. But when it is someone you love and you are desperate, you will spend every penny you have to save that person.
The government collapsing is absolutely not the only way you can go backwards in life.