Every morning the turkey rejoiced and said to himself "oh joy, I'm such a lucky turkey, I don't have to do anything, the food is plentiful, I just eat and shoot the breeze the whole day long, what an awesome life!" Until one morning, the day before thanksgiving, the turkey rejoiced about the awesome day he's about to have ... just to be picked up 5 minutes later and dragged to the slaughterhouse.
It’s a compelling story; but what you’re describing is, to the turkey, a black swan event, rather than an obvious inevitability that all the other turkeys keep telling the turkey is going to happen.
It's not a certainty, but if you're not prepared for an extreme event, it can be ouch.