I don't think it's alarmist.
No, neither do I quite clearly. Others do though, and look upon those who like to be a little more prepared as weird which doesn't make sense...I mean, I see it as weird that people don't want to be prepared for adversity. I guess it's easier to stick one's head in the sand than take steps to mitigate risk. Ignorance is bliss they say...I say, ignorance is ignorant..