Now that we have a significant common event to adhere it to, I propose we replace the "hit by a bus theory" terminology--popularized by contingency planners everywhere--with the "bridges do fall down theory."

As in, "hey let's transfer some knowledge about this job function. you know, just in case a bridge falls out from under you." "I'm gonna document how to update this website, in case a bridge collapses on me."

etc.