Even if you can see that it's probably not going to be fine, the future could become not-fine in so many different directions that it may be impossible to prepa

Even if you can see that it's probably not going to be fine, the future could become not-fine in so many different directions that it may be impossible to prepare for all of them at once. After the catastrophe arrives, it will be too late to prepare, but before it begins, it may also be too early to know how to prepare. In the meantime, "it's not clear what, if anything, I can reasonably do" results in behavior indistinguishable from "it'll be fine."