Too many double negatives in there, don't quite get it.
Some people constantly post that "we're not safe yet", "we need x points before we can relax", "remember we didn't expect to get relegated 13 years ago", "x happened to us 50 years ago", "y happened to us 5000 years ago", etc etc etc. It's not as if everyone on here doesn't know all these things, so the only reason for constantly raising it is because they genuinely think there's a more than remote chance of it happening.
To use your analogy, everyone has insured their home against fire, but when you're down the pub and start talking about adding an extension, there's always one mate who keeps interjecting that your house could burn down at any moment. Yes it could, but you'd get pissed off pretty quickly with his doom and gloom scenario spoiling every conversation.