I totally disagree that it is a bad idea. But if you think it, you have every right to.
I give you a more prevalent example to why I think it is a good idea to make decisions. I believe that a person who prepares himself and makes decisions now (reduces his debt, reviews his budget etc) on how he will respond to if he lost his job in current conditions will be much better off than the one who puts his head and the sand and say we will see when time will come.
This is not to say that an unprepared person will always make the wrong decisions or that one can prepare for everything, but it is about do I want to lead life being proactive or reactive.
So you are preparing yourself for the worst case scenrio.