There is a seed of courage hidden (often deeply, it is true) in the heart of the fattest and most timid hobbit, waiting for some final and desperate danger to make it grow. — Fellowship of the Ring

My Take – Somewhere in every person’s personality, no matter their gender, age, or situation, is the trigger that will get them to protect themselves and those that are important to them.  The problem with waiting until that trigger is tripped in the real world is that they may not have the tools and skills necessary to make that urge more than a vain attempt at survival.  Taking the time now to consider the likely things that can happen, be they natural disasters like a tornado or a hurricane, or just a guy in the parking lot with a gun and a hankering for what’s yours, will help you find the lines you will not back over and give you the time to develop your skills, attitudes, and toolsets to deal with them.  It could mean putting together your 72 hour kits.  It could mean getting weapons and training along with the licenses to carry and use them.  Or it could just be looking yourself in the mirror and saying “I am responsible for me and mine, and I will do whatever it takes now to make sure we are OK when the worst happens.”, and then following through.