That argument is solely based on survivor bias.
Also, critical systems are now in such a state of brittle disrepair that it wouldn't take much for everything to break down unexpectedly.
Currency (store of value), Fuel/Energy, Logistics (trains/ cheap shipping), and Food (farms), take your pick.
Any single one of those areas can lead to a cascading failure.
Most people also don't realize as the world heats up you have to suddenly start dealing with problems only commonly found in the tropics but now at the northern latitudes.
If you've read the Wealth and Poverty of Nations, you'd know why the northern latitude countries were able to develop rapidly whereas the tropical latitudes were averse to human life and husbandry.
I don't see what point you are trying to make by discounting dangers that are studied and very real.
If your life depended on knowing about these things, won't you be surprised when reality hits home.
Its common sense for a rational person to not discount downsides that are easily verifiable.
For your further reading and there's a lot more than just these:
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7558156/
https://www.who.int/news-room/fact-sheets/detail/onchocercia...
https://www.who.int/news-room/fact-sheets/detail/trypanosomi...
https://wwwnc.cdc.gov/travel/yellowbook/2020/travel-related-...
I've been hearing that the death of the planet has been 10 - 30 years away for the past 30 years. We're still here.