Part of the problem is the crises occur infrequently and humans en masse tend to forget the past, in their emotions and actions if not in theory. Another part

Part of the problem is the crises occur infrequently and humans en masse tend to forget the past, in their emotions and actions if not in theory. Another part of the problem is the governments benefit from inflation and again short term the people in power benefitting from it are unlikely to be the same ones in power when the crises eventuates, ie the problems of money printing are externalities. But your central idea of planning ahead for the crises is actually refreshing and excellent, if it is possible to apply it. On a personal level, anticipating and timing the crises is a form of planning for it, to reduce financial leverage before the crisis and have cash available to buy assets cheap from those that didn't anticipate the crisis.