This was sad as I was reading about how a person that used to be very active has lost his ability to really function in regards to travelling as he apparently can’t sit for too long anymore which means he can’t drive and nor can he walk for a long time. So now, without saving for alternative types of transportation he is kind of out of luck. Do you ever prepare in case you lose the use of your legs for example?
For myself, honestly these types of things are too much of a freak accident type of incident to prepare for specifically versus just having a general emergencies fund. In some ways I could imagine you spending way too much money trying to anticipate for life disasters like this. It would be like buying insurance for virtually every natural disaster you can think of where I think you will end up paying more overall.
If anything, this is where it comes in handy to know a lot of people as when time comes everyone has some kind of specialty or maybe connection to get you a solution fairly quick and cost effective. It is a life changing event.