Yes, exactly that's how I cope too, but it's not a huge expense for me. The trouble is there's lots more to worry about.
Another example of life just getting that bit more worrying/stressful is losing family.
When I was young, even after I was married, I knew my Dad or my husband would come and pick me up from pretty much anywhere I'd managed to get myself stranded if i really needed them to. They can't do that now, so I think about other ways I'd get home, but again that all comes at a cost.
I'm due to go away on my own next week, travelling home on the day of the train strikes. My "what's the worst that can happen?" is I'll have to find somewhere to stay a couple of extra nights if I can't get a train, but I know that's going to come at a price.
Once thing I find way more stressful is anything to do with the house. As I've got older, I have fewer friends/contacts in the business and the tradesmen ive used for years have started to retire. We know tradesmen exist who will try and take advantage of little old ladies...
Just everything seems to get that bit more worrying. For now I find ways to feel the fear and do it anyway, but not everyone can or wants to.