That "normalcy bias" pretty much nailed it down.
The USA may have a decent track record, however humanity doesn't...Serbs, Croats, Liberia, etc.
The old "thin veneer of society" saying comes into play. Sometimes the appearance of a good defense just keeps honest people honest....or at least from entertaining thoughts of shopping at your house.
You guys really believe in all this Jericho prepping **** don't you? Crazy
-seatbelts, full tank of gas, full shelves, a gun, etc....it's called cheap insurance. I think it satisfies some primitive brain need...some people have been deprogrammed over thousands of years to even acknowledge "safety issues".