I absolutely agree... I'm sorry if it wasn't clear, but I put good and bad in quotation marks because I don't believe that they are any such thing. Like I said, I think it's just a defense mechanism for people to cope with being afraid.
We have done ALL the right things -- no CC debt, low bills, able to meet our obligations on one income and living very frugally without any toys or luxuries. But the bottom line is that we ARE on one income now, and if I lost my job we'd be living in my mother's unheated and unfinished basement. Being "good" or "bad" doesn't matter. In fact, being frugal is kind of worse because there is just no fat in our budget to cut. I read all these lists of ways to save money, like cutting back on cell plans (we don't have one) or cutting cable (we don't have that either) or skipping a morning latte (I wish!)... I'd feel a lot better if I knew there were luxuries left to do away with in a tight spot.