Plenty of people spend time and money preparing for low-probability but highly catastrophic events. Purchasing insurance that covers your home for fire damage is one such example.

The fact that the chance of a well-maintained home burning down is vanishingly small doesn’t make this an imaginary risk.

Thinking about how to protect yourself from violent crime and deciding to purchase and carry a gun doesn’t seem fundamentally different.

Yes, it makes me wonder whether all the naysayers have any sort of insurance coverage?