If you’ve ever lost your home to a natural disaster, or even been threatened by that possibility, it quickly puts into perspective just how fragile our places of refuge can be. When I was in high school, my family’s home was threatened by a massive wildfire which caused unprecedented destruction across Southern California. I distinctly remember school being closed for a week, and the sun being blotted out in the middle of the day by the enormous clouds of ash which filled the sky. At night, my brother and I sat on the roof of our house and watched ominously as the hillsides all around our community were engulfed with giant gashes of brightly-blazing flame. The entire concept of homeowners insurance exists because people realized long ago that your “castle” won’t be much of a castle after a raging fire, earthquake, or hurricane rips through your neighborhood. Planning for failure is a smart way to live your life, as far as our society is concerned.