I mean, is there some kind of mental block that prevents certain people from understanding the importance of preventive measures and the connection between preventive measures and something NOT happening?
This suggests another question like those you put forward as examples of the fallacy:
"Why do people keep having to go to church every Sunday if they already have blind faith in its Bronze Age myth and have completely shut down their critical faculties?"
"Ignorance more frequently begets confidence than does knowledge: it is those who know little, not those who know much, who so positively assert that this or that problem will never be solved by science." - Charles Darwin.