It's not aloofness or isolation - and it's perhaps less sad if you consider that people -- by force of things -- are going to explore how to survive best during tragedies (which includes helping their families). The finger-wagging at corrupt or inefficient systems is important at a certain intellectual level; the rest of us have to think about mortgages and other such earthly things.
Just standard advice that is widely available is to have at least 3-6 months of emergency funds (liquid cash to cover all monthly expenses) and err on being conservative.