You might be subject to lesser risks, especially in a country like Denmark, but many people have at least some of the following risks of a car breaking down in the middle of the road:

1) collision. Simply being on a high speed road outside of your vehicle is one of the riskier things you can do in many parts of the world.

2) not being able to work and/or getting terminated from job

3) being stranded with young children

4) needing to be somewhere to take care of your dependents

5) woman being stranded by herself

6) being stranded in too hot or too cold weather