I believe its all of those and as someone else stated, the biggest one is probably denial. They dont believe it will happen to them. At any tragedy, everyone is always, why me? why me? instead of, thank goodness i was prepared, this will suck for abit, but it could have been way worse. They dont want to believe that something bad or scary will happen, so if they deny it will, then they can go on worrying about having the newest this or that.