It's like my situation. One day everything is fine. The bills are getting paid, have a good job, poor health but because ya make good money you are "making it". Then next day, your job is gone because of your health, that means the little savings are gone, the house, the second car, your life... gone over night for all intents and purposes!
In this case, it's a good shoot. Ya saved yerself and yer family but now you are facing bankruptcy, relocation, yadda yadda yadda! It is scary as hell is what it is! No one thinks about all that goes along with "just defending yourself."