One concept to consider: Normalcy bias.
From wikipedia, that fount of all knowledge:
"Normalcy bias, or normality bias, is a cognitive bias which leads people to disbelieve or minimize threat warnings. Consequently, individuals underestimate the likelihood of a disaster, when it might affect them, and its potential adverse effects. The normalcy bias causes many people to not adequately prepare for natural disasters, market crashes, and calamities caused by human error. About 70% of people reportedly display normalcy bias during a disaster.The normalcy bias can manifest in response to warnings about disasters and actual catastrophes. Such disasters include market crashes, motor vehicle accidents, natural disasters like a tsunami, and war.Normalcy bias has also been called analysis paralysis, the ostrich effect, and by first responders, the negative panic"