Yes, disaster relief needs to be paid for. If you have a unexpected problem at home and you need to spend a few thousand unexpectedly, you'd probably cut back spending in some areas to recoup your financial standing.
Call it a rainy day fund. If the rainy day comes, and depletes your funds, don't you continue to put more money into that cookie jar?
Or, as suggested, would you decide to put even less money away for the next unexpected problem?
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