There are a massive amount of things between "society collapsing" and "nothing bad ever happens" where the number in your bank account matters greatly. You hav

There are a massive amount of things between "society collapsing" and "nothing bad ever happens" where the number in your bank account matters greatly. You have unexpected huge medical expenses. You are no longer able to work. You're fired and can't find a job. Tech salaries collapse. Your town in burned down/destroyed in a hurricane/etc. etc etc etc