I, too, keep my insulin in a separate mini-fridge - in my sewing room. In fact, I replaced my mini-fridge earlier this year first, rather than my 38 year old primary refrigerator, as I was more concerned about the strange fluctuations of temperature. And the cost of replacing all that insulin if it froze would be far more than replacing the food in the main refrigerator. All will soon be well, though, as I now have a new main refrigerator on order, as well.
Regarding asking for help with a hypo, I've never had the need but wouldn't hesitate to ask a stranger for help. A number of times I've asked a stranger to open a bottle of diet soda or water for me when I was on a trip, as the arthritis in my hands is so severe that I sometimes can't do it myself. So I certainly wouldn't be afraid to ask with a genuine emergency like a hypo. Of course, I'm an old lady, so people may more readily accept that I may need periodic help. I can understand that much younger people might be more hesitant to ask.