For most of us with dependents, that's what private life insurance is for. The social safety net is for people too poor or irresponsible to have life insurance.
Do people not understand the safety part of the safety net? It's not there because you expect to fail, it's there for if you happen to. I don't keep a fire extinguisher in my kitchen because I expect to set it on fire, but rather I want to be able to stop a fire should one ignite. If you're reliant on a safety net, then you've failed at what you were trying to do.