A person can make any excuse they want to not train: Age, Injuries, finances, "not feeling it today," but you know who doesn't care?
EVIL doesn't care.
There was a senseless tragedy in my hometown a few days ago, where 2 people lost their lives.
Life will happen. The best thing that we can do is to train and prepare the best we can. During an emergency, we as individuals are going to be our own First Responder.
Adapt yourself and resources to overcome limitations, and learn what works for you and your budget because losing and being a victim should never be an option.