True, at least a healthy concern for that possibility.
But, if you spend most of your working career trying to accumulate enough while simultaneously trying to unlearn the stuff you shouldn't have been taught and learning the stuff you should have been taught while living life and taking care of necessary expenses along the way, it's a concern that's hard to avoid. Add to that the known unknowns and the unknown unknowns and a healthy concern for those probabilities, it's almost unavoidable.