Not to argue, but it seems to me the same thing could happen even if a woman worked outside the home. If we were relying on two incomes, he could run off with the secretary tomorrow and I'd still be screwed (although, he'd be dead, lol) Life is full of "what ifs" and you can never be fully prepared to deal with every scenario. We've tried to keep credit purchases at a minimum and as such only have a house payment and utilities. We carry enough life insurance to cover seven years worth of income in order to give me time to go back to school and get on my feet. (Once I pointed out that two weeks after his death I'd have to marry the mailman to put groceries on the table, he got my point, lol.)
You have a point, but the wife/mom who worked outside the home would have current job experience. If we're trying to encourage moms to stay home to raise their own children, then maybe men have to be prepared give up all kinds of "toys." Besides, the ones that breathe are more expensive.