Irrational? ... None, mine are all quite rational.
Sh** really does happen on occasion and when it does peeps who prepare do fine without any assist. Peeps who don't prepare become victims looking for the cavalry to come rescue. Like Dagny I prefer to over prep and keep extras of just about everything -- except for food and water; how do you define extra food and water without knowing how long the crisis will last. I suppose that's true of any consumable.
If you need ammo and have a gun in a military or LE caliber, I can probably fix you up ... if I know you as a friend and you know how to ask. But first be prepared to take some verbal sh** for not having your own.