Yes I am serious. If you studied a little history you'd realize how insigificant our current government and social order are. There might only be a 5% chance of societal collapse during my lifetime, but it's still something I would be prudent to take into consideration. And that change might be closer than we think. If the government didn't or couldn't bail out the banks during the last crisis, for example, it could have triggered a major change.
The point I'm trying to make is simply that it's not wise to pretend that economic crashes are due only to stupidity of many investors and you're guaranteed to recover and to be successful if you buy more during uncertain times. That's simply not accurate.