Take the example of the truly unfortunate disaster, for example as another commenter mentioned, complications with the birth of a 3rd or 4th child. A "good" church community (that seems like a weird phrase, but go with me for a second) would involve people that you might only have passed in the hallway bringing you food, helping out with your other kids, or other chores that you simply don't have the time or energy to do during your emergency state.
Unless you are truly a social juggernaut with a lot of friends that really care about you that much, you're probably going to end up either suffering substantially on your own trying to keep things together, or your close friends are going to resent you for leaning on them so heavily (particularly if the hypothetical emergency at hand is long lasting).
That was waaay more than I meant to write, but I was honestly having the same thought as you and trying to think through it. I think one of the important things this post is saying is missing is more about a community of support with a broader surface area for support beyond just those closest to you.
Perhaps I just haven't been in a bad enough situation, perhaps I do trust my friends and family that much, perhaps I'm just more insular than that. I don't know.
I know that's an extreme example, and quite negative, so may not map fully to what we'e talking aabout. It just sorta popped in there.
My trans friend recently moved to stay with me in California. Her experiences, and the experiences of others, have helped me realise that gender is really important to many people—and I just don’t have a slot for it in my personality.
Same goes for religion—my folks tried to teach me about their religious background from a young age, but I never had the ability to believe in it.
I just try to respect people, and shut my opinion-hole and acknowledge when I just don’t get it.
I know people that do, many of them come from religious backgrounds and seek something to replace the religious structure that used to be in their lives.
But I .... just don't.