Nothing against you personally, but there are a ton of people out there screaming "you better get your house in order NOW!" Yes, we got. And yes, I'll assume any professional pilot here is an adult and you admonitions are not going to make a bit of different.

Then there are the pilots that list the 6 financial things you SHOULD have done to prepare for this. Great... kind of like standing in the street with your neighbor, watching a raging fire go through your house while waiting for the fire department to arrive... and having him say "You know, you should have an extinguisher in every room of your house, and you should check your smoke detectors each month".

It's a condescending tone, and no one cares for it.