I don't think financial security is as tied to your independent actions as you seem to think. No matter how frugal you are, the best option for financial security is investing in the infrastructure and community you live in.

I don't know how much money you have, but if you or your family had a life-long expensive disease, can you say that given the current medical coverage offered at the current prices, you would be financially secure?

It's not a criticism to your ability to save or manage your money. Please dont' take it that way :)