The first time I encountered this distinction was when everyone was planning “earthquake kits” in the wake of Katrina hitting NOLA. The temptation seemed to be to try to throw anything and everything into the kit that might possibly be useful in a disaster. The resulting mess was dismantled and parted out in the divorce (a far more likely disaster that there seems to be no preparing for!)
Since then, daily life has been enough of a disaster, it’s hard not get denialist: who wants to think about things getting worse than this?