There’s one great humorous story compatible to a today’s topic. = ...to a today topic / to today's topic.

A village was in the middle of huge flood.

Most of residents evacuated before flood start to be submerged, except for a clergyman. = Most of the residents has evacuated before flood started to submerge, except for a clergyman.

One boat gets near to a building where the clergyman isolated. = One boat gets near to the building where the clergyman has been isolated.

“ Father, we are here to rescue you.”

“ Thank you. But no need. Jesus would take care of me.”

As water level gets higher, a helicopter gets to the building. “Father, please don’t insist. You have to go now.”

“ Thanks, my dear. But please don’t. I will safe with god.” = “Thanks, my dear. But please don’t. I will be safe with God.”

After all, in spite of all of his prayer, the town was completely submerged, and the pastor was drowned to death.

After death, the pastor felt really mortified. As he got chance to face his utmost highness, he started to ask.

“Oh your almighty, were there anything I failed to meet your standard.” = “Oh your almighty, was there anything I failed to meet your standard?”

“No, my son.”

“Than how could you ignore all my prayer and left me to die?”

“Oh, poor boy. I already sent you a boat and a helicopter. What else could I do?"

That funny story is compatible explanation for today’s topic.

Since god can’t be everywhere, he created numerous tools to help his little ships can’t be harmed. = Since God can’t be everywhere, he created numerous tools to help His little sheeps to be unharmed.

You don’t have to separate praying and insurance.

NOTE: Very well said. I like the example the most. Good job, Jim!