Such claims makes you very one dimensional. Allow me explain at a level that may be comprehensible to you.
You have a pickup truck with broken widows, firing only 3 out of 4 cylinders, leaking oil and a missing door. You have limited resources. You have small farm with some fish, sheep & chicken. Your daughter is an excellent cook and can whip up exotic goat-cheese egg frittata (an expensive dish). The neighborhood markets pay you decent money to supply this exotic dish.
(1) Sell your chicken farm to immediately buy parts, fix your truck, and hope that it never breaks down again?
(2) Try to keep selling goat-cheese-egg-frittatas, try to fix your truck a little at a time, while building a make-do fence around the farm?
You fail to understand basic economics. You make these choices at your home everyday and at every level. You assess your risk of the worst case scenario and deploy a plan to get the most of the resources at your disposal.
Have you (a) Ever met a family that went into debt, trying to put their kids thru college, ignoring leaky home windows? or (b) Ever purchased an expensive new business suit for annual company gala while squeezing extra 5,000 miles from your car tires?
EVERYONE makes these choices, EVERYDAY and at EVERY level.