When a person is born into this world he/she is born into a dangerous environment. There are thousands of things that can kill and disable us at any moment.
As a baby, one depends on one's parents for safety and health. As one gets older, the community and government services help us to learn, get a job and stay healthy.
Behind the umbrella of human institutions, there's another world that either protects us from terminal disease, criminals and accidents or doesn't. To make it work for you, there has to be some belief in its existence and power.
When a crisis situation develops, one recognizes the vulnerabilities of his/her human condition and the need of a greater power to help out. A baby in his mother's arms or in car has that special faith that protects him. He lets "Jesus Take The Wheel."