i can buy a house because i can plan on having a job next year, and probably in the next 5 years.
i can have a kid because i can afford it, because i have a job, and my housing situation is stable
i can take time off to recover from illness because i won't get fired for being out of office for a week
i can pay for other life infrastructure like a car or a new roof because i know my pay and job is stable and i'm not going to move
i don't need to stockpile food water and ammo because the government will be mostly benevolent and effective, and disasters will be infrequent and mitigated.
i don't need to wear a bulletproof vest to go to work because my streets are reasonably safe, and i'm not going to get drafted to fight in a war.
etc. etc. etc.