This isn't oozing privilege. It is oozing common sense. It's about deferring consumption of non-essential goods and/or services until you can comfortably pay for them, vs. spending all of your immediately available assets on short term pleasures before you have built up your safety reserves to handle unexpected situations. That leads to the next issue: If you are flying a low cost carrier with infrequent service, and the conditions of carriage permit the carrier to cancel the flight with minimal obligation to get you to your destination, it might be a really good idea to buy travel insurance.