&gt; <i>You need to be responsible for your own future and a possibility of your job being eliminated.</i><p>Easily said for the readers of HN. What you do today won&#x27;t last forever, and in many cases won&#x27;t last 5 years. We&#x27;re all on our third or fourth or seventh expertise.<p>But you can&#x27;t treat truck drivers, coal miners, or even medical specialists that way.<p>NOT having a plan for the disemployed also locks us into stupid make-work policies: Too many cops, screws, soldiers, narcs, TSA agents, etc. These people make nothing. They are overhead. And our overhead has overhead. That&#x27;s not how you return a mature economy to high growth.