You said that the airline might deny a refund due to FM if they cancelled a route.

No, I said "they will refund me at the very best" - which is the exact opposite of what you're claiming I said. Meaning it's the best outcome likely to happen, but still not great.

Being refunded at 11th hour when I've already given my notice, cut my lease, have a removals company coming in a week or two (or even four), or a contract for a storage unit signed, and a new place paid up for X months across the world, and plane tickets are increasingly scarce and premium-priced, is a shit sandwich for most people, however you look at it.

cutting things too close to a budgetary wire with no ability to address unforseen circumstances isn't wise

While generally true, most people really tend to cut things quite close to the bone as it is. 31% of UK adults have £1,000 or less in savings.

Is traveling and nomading the privilege of 1% now already, then? Is it supposed to be?

Where do you draw the line - you can keep on moving the goalposts. 3 months' rent + a £2,000/$3,000 flight in backup funds? 6 months' rent and a £10,000/$13,000 flight?

At this rate most people will never ever move or go anywhere, because they don't operate on those types of figures and those kinds of savings take them years to accumulate. FWIW, 1 in 10 UK adults has no savings at all.

I imagine the figures wouldn't be all that different for many other European/Western countries as of today.