I mean, ideally it should be free to go to a community shelter. If it's not a disaster and just an unfortunate situation, that's what insurance is for. I guess

I mean, ideally it should be free to go to a community shelter. If it's not a disaster and just an unfortunate situation, that's what insurance is for. I guess I don't know what a natural disaster would be like where you're from. This is why I live in Japan, where disaster preparedness is taken extremely seriously at a societal level.