Making sure I understood you: you are saying that people sometimes pick "everything is fine" because:

1) they are confident that if anything goes wrong, they would be able to fix it, so everything is fine once again

2) they are so confident in it they aren't making specific plans, beliving that they would be able to fix everything on the spur of the moment

aren't you?

Looks plausible, but something must be wrong there, because planning fallacy:

a) exists (so people aren't evaluating their abilities well)

b) exists even people aren't familiar with the situation they are predicting (here, people have no ground for "ah, I'm able to fix anything anyway" effect)

c) exists even in people with low confidence (however, maybe the effect is weaker here; it's an interesting theory to test)

I blame overconfidence and similar self-serving biases.