I think you're leaving out that disasters which require a lot of money to survive are fairly rare and hard to predict.
The character has come uncomfortably close to dying several times in a relatively short period, having had to use one or another rare or unusual skill or piece of equipment just to survive each time. (In other words, she's a Protagonist.)
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
Notes for future OT posters:
1. Please add the 'open_thread' tag.
2. Check if there is an active Open Thread before posting a new one.
3. Open Threads should be posted in Discussion, and not Main.
4. Open Threads should start on Monday, and end on Sunday.