I think that people think in terms of how things will affect them, which is natural. We are in a COL crisis, and every news bulletin seems to have something about cutbacks and making life harder for people.
As always, if people have got lots of money, it is easy to say 'just replace it when the time comes' and ignore the fact that £10k+ is the sort of money that many people simply don't have. Or it may represent their life savings, and their buffer against poverty. Equally, if people have no money at all, they will probably get grants. For others, the landlord will have to pay the costs. It will, as always, be 'the squeezed middle', or the 'just about managing' who are clobbered, and it is perfectly reasonable for them to worry about this, and annoying to have to listen to those who won't be affected moralising about it.
A lot of people are used to having saved all their lives, but can no longer do so because of the rise in mortgages and rents brought about by the ill-fated Truss administration, and the increases in food prices and fuel costs. People are feeling insecure and scared. Talk about having to replace boilers and cars that people may have expected to 'see them out', or about phasing out the fuels that run people's homes and transport feeds that fear.
If those fears are not 100% based on fact it is because politicians don't make the reality clear.