You should never rely on the black swan event to change your circumstances. However, black swan events happen all the time.
Life is practically made of weird events. The average of all of them might trend toward some sort of middle flow, but in the moment of each event, you’re living on the spike, not the trend line. There’s no way to fully be prepared for such things, so instead: Be mobile. Adaptable. Ready to ride that spike to the sky.