I did read the article.
I could afford insurance. I have all kinds of insurance, and Loss of Income would have been peanuts to add. I just forgot. But, it was my responsibility.
My husband was lied to by his employer, promised lovely things in order to keep him at a job for a while. I can't type it all out. He neglected to get anything in writing and got screwed. And he's out of a job entirely in six months.
Meanwhile, we spent money on fun stuff and didn't pay debts aggressively.
If we end up at the food bank, I could tell a very sad story about accidents and being deceived, but the fact is that we made choices that weren't wise and neglected to do some basic stuff.