On the small scales (i.e., you or me) it can make sense to have your second thing be a large pot of savings, which is a relatively inexpensive way of providing

On the small scales (i.e., you or me) it can make sense to have your second thing be a large pot of savings, which is a relatively inexpensive way of providing limited redundancy. In the same way that a data center has full redundancy for failure of an individual machine, but limited redundancy for failure of the city's power grid, all we _really_ need is enough redundancy to give us time to solve the problem. Large organisations move too slowly for this to be an option, so they need the much more expensive full redundancy.