[ThrustVectoring]

You have own-occupation disability insurance for that. These downside risks are rather easily hedge-able. I don't quite have things set up yet, but my long-term plan involves moving to Texas, storing most of my wealth in IRAs/401(k) plans and my primary residence, and taking out own-occupation disability insurance for the time I'm still dependent on my income to make ends meet.

If something happens, my medical insurance pays for most, and then past that I spend down my emergency fund from taxable employment income and start drawing un-garnishable private disability insurance.