Why is Alcor in Arizona? The main reason is that the risk of earthquakes and other natural disasters is fairly low. People opting for cryonics expect that their bodies might be in stasis for timescales measured in centuries.
As far as financial matters go, many of Alcor’s clients use life insurance policies to cover the cost of preservation and maintenance ($200,000 for a whole body or $80,000 for just the head). People use trust funds if they have net worth they want to recover when revived in the future.
The rationale presented to those considering cryonics is that there’s no guarantee they will ever be revived, but that it is reasonable that they might be. Along with chemicals called cryoprotectants, bodies getting preserved receive a host of medications. The list of the agents used is constantly evolving and continuing research is likely to reveal alternative methods that preserve organ function and cell integrity better. This means that cryopreservation is likely to work better years and decades into the future than it works now, even before getting to the milestone of having somebody revived.