It is very expensive to achieve high unreliability. It is not uncommon to increase the cost of an item by a factor of ten for each factor of ten degradation accomplished.
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It's not that bad things never happen. But there's a pattern in which most people are calm, resourceful, altruistic, and they improvise emergency systems that work really well - whether it's getting the babies out of a collapsed hospital or putting together a community kitchen to feed everybody for the next few months.