I agree with what you're saying in that Paul, & yes, theres validity in 'it's beyond our resources' too - hopefully NZ will get a chance to financially recover a bit before we have any more major negative events occur.......
I'm a big believer in that ya can't 'cover yourself for everything', but in amongst it, we are also probably a bit guilty at times of becoming a bit complacent about things - as today has shown us it could be any of us at any time getting tangled up in something like happened in Christchurch.......
Edit. A mate in Palmy had a pushbike bounce off his car in the shed, from where it was hanging up in the rafters, plus a bit of other stuff. In general, its probably been a great thing it's been anniversary day for Wellington / Manawatu today, so haven't had people trying to decamp outa office blocks etc.....