the first problem starts with the term "problem". A problem is only a problem when it's defined by the person himself to be a problem. So when a person thinks he can't help himself, somebody (govermant, etc) will help him, believes in faith, think god will protect him/her in such a situation, etc. Than he/she might not define unprepardeness as a problem.

Life's all about making choice, if we would try to prevent and prepare for every situation that might happend and might injure or even kill you. Than you proberly won't have a life. So people choose what risks they want to take.

I don't think it's our right to say how they should life. Most people don't enjoy preparing for disasters and if they rather spend it on holidays and other fun activities, than thats there choice. I have no problem with people living a happy life, instead of spending money on survival equipement. It's there choice. Adults should be grown enough to find a balance between things in there life. This included the dicision of preparing for disasters and to what extend. They also have to except the concequensis of there choices.