This is kind of related to the lean supply concept that's been waylaid by COVID-19. You think you can just pay for capacity when you need it, until it turns out

This is kind of related to the lean supply concept that's been waylaid by COVID-19. You think you can just pay for capacity when you need it, until it turns out everyone needs it at the same time. I can't imagine anyone who lives near wildfires in California not owning a car. Lots of people don't live near parks, or the parks are poorly maintained. A friend might lose their job and need a place to stay for a few months. There are lots of what-if scenarios which are individually unlikely but cumulatively probable. If you have the resources, why not prepare for them?