But under actual existing conditions, why do children die? It's not starvation (at least in the US and Europe), or EMP. It's lack of medical care.

So, back to the question at hand. Isn't the availability of medical care more valuable than the insurance value of the land? Yes, the land lets your kids live if there's an EMP. But the medical care lets your kids live through all the years until there's an EMP, if there ever is. Isn't the actually-happening reality more important than the might-be?

Or, to put it in more brutal terms: How many of your kids would you be willing to have die due to lack of health care, in order to have the land to keep all your kids from dying if there ever is an EMP? For most people, I think the answer is "zero".