I completely agree. It seems the first step is simply planning for the normal events that may happen in life. Losing a job, a fire, an earthquake. I am strongly in favor of people in society using their brains more and planning for events that are likely to happen in their lifetimes. As their planning and preperations become more advanced preparing for less likely events is a good effort as well. Communities are the keystone of a good plan and I agree with you strongly on that point as well. The people we surround ourselves with are just as important or more so than the material ways in which we prepare for the future. Great thoughts on this!