To answer your question, no, I am not dumb. I do realize that people should prepare wills in advance, etc, to ensure that, should anything happen to them, their wishes will be carried out and people close to them in their lives aren't shut out of the process. I also realize that sometimes, things happen before you have a chance to prepare. Relationships end, houses are bought and sold... and young, healthy people sometimes die unexpectedly. Maybe we don't want to think about it, because we're all afraid of dying, or maybe people would rather focus on the happy event (falling in love, whatever) than to sit down and figure out how they're going to split things up when they die. Maybe it's too much paperwork, and we're all lazy.
The point is, people DON'T always plan for these things - and they shouldn't really be penalized for that. Pretty much all of us are guilty of being ill-prepared for something at least once in our life.