You don't have to be able to be in the same situation as someone to imagine what it might feel like. I may not have sympathy for someone who chooses to drink and drive, but I can empathize. I can imagine what it would be like to be in that situation, though I'd never put myself in it. The inability to imagine it is lack of empathy, and that's a symptom of, among other things, narcissistic personality disorder.
So rather than insist "I'd never be in that situation, so I can't empathize" I would suggest you take a minute and just try to imagine it. If you still can't then, please seek professional help.