No matter what you do, there is always a chance that tomorrow you loose everything you ever cared for
True, but if you can mitigate the risk of being kicked out on the curb over 'just a slight problem of the factory having to be down for a whole week' by making sure you have a little bit in savings before blowing it on a new console computer... wouldn't you think that's the smart thing to do regardless?
You can't forsee everything of course, but you can still set priorities for yourself...