Capitalism prioritizes profits over people's lives.
If it were profitable to stockpile resources to protect life and/or property, in advance of foreseeable adverse events, we would be more prepared.
Precisely because it is not profitable, we are not.
Effectively, government (through taxation and public works) is the mechanism of capital (re-)distribution that is not (or should not be) profit driven.
...which is exactly capitalism: 1) private companies are required to maximize (short term) profit as their first priority. 2) the billionaire class can heavily influence policy through regulatory capture