Insurance
Getting some Tamiflu for your family and loved ones is simple insurance. You pay the $95. for a box for one person, and you pray that you will never need it. Or you can just hope that Mommy Government will or can miraculously save you from a pandemic. But Nature is far more powerful than any government. I, optimistically, doubt we will need it - but I have mine. It's a lot cheaper than dying: compare the cost with the cost of a coffin. Some hedge fund, you just have to imagine, is already long the funeral industry, just in case. And you know those guys have the medicine: they ain't stupid.