I've spent a lot of time, while sipping coffee... replaying your response and thinking about it.

I fully understand your point.

Thank you for taking the time to articulate it. Not only may I get some good from that, but so may someone else....

It seems in today's world, people do build their houses upon sand... and then wait for government, business, or whomever, to come save them from every storm.

Sometimes it's not possible to always to do that, and complacency in this regard begins and ends with the house owner/builder who didn't realize they've set themselves up for failure.

The onus is on us, as individuals, to do what we can, to weather any storm.

Great advice, and I tip my hat to you, in order to thank you for your well driven point. Well done.