I think it's past time for another Stupid Questions thread, so here we go.
This thread is for asking any questions that might seem obvious, tangential, silly or what-have-you. Please respect people trying to fix any ignorance they might have, rather than mocking that ignorance.
Interesting! Did you make any further progress? I personally see a great deal of value in this kind of risk identification. A lot of risks are not easily solved (eg: just buy insurance!) or properly quantified (eg: accident insurance protects me from income loss!).
No progress, I dropped the ball because of smooth sailing in my life. Which is exactly why I should prepare for things getting worse.
But seeing as people gave upvotes, there seems to be interest. I might pick the ball up again.