If you have known someone who suffered a heart attack and survived you might also have witnessed a quick lifestyle change in the survivor. Diet improves remarkably, even couch potatoes suddenly become more active. In general the Heath choices of the survivors improve markedly.
That is usually how it happens with money too. We experience the financial equivalent of a heart attack before we are jolted into making wise choices with our money.
Surely an ounce of prevention is worth a pound of cure in financial matters as well as in health matters