As long as people live pay-check to pay-check on the brink of no health-insurance, the brink of missing mortgage- or rent-payments and ending on the streets, the brink of high medical bills, the brink of 15k a year preschool expenses, the brink of retirement ... There is always a crisis stressing people out because there is nothing but yourself to fall back on in the event of a disaster.
And since nobody is politically (dare I say globally) willing to provide relief for such kind of warranted fears and concerns for ones individual future, people have to room to spend more on the perma frost, Florida homes or an underwater New York.