This exactly. The point of insurance is that you hope you never need to use it.
You pick up emergency supplies during a non-emergency because often when the emergency strikes you won't be able to get those supplies.
I was living in Ottawa when the 2003 power failure knocked out the grid to most of the northeast for up to 4 days. Getting gas was a problem, and there was no chance you were going to find a generator for sale anywhere. My mom owned a diner and lost thousands of dollars of food because the freezer thawed. Ultimately it was one of the things that caused her business to fail completely shortly later.
Imagine how different that situation could have been if she at least had the means to cool the freezer for a little at a time with some stored fuel in a generator she had on-hand.
You pick up emergency supplies during a non-emergency because often when the emergency strikes you won't be able to get those supplies.
I was living in Ottawa when the 2003 power failure knocked out the grid to most of the northeast for up to 4 days. Getting gas was a problem, and there was no chance you were going to find a generator for sale anywhere. My mom owned a diner and lost thousands of dollars of food because the freezer thawed. Ultimately it was one of the things that caused her business to fail completely shortly later.
Imagine how different that situation could have been if she at least had the means to cool the freezer for a little at a time with some stored fuel in a generator she had on-hand.