[ridgeguy]

I find your absolutist view remarkably blinkered, indeed unrealistic in the fundamental sense of the word.

I wonder if you suddenly incurred uninsured medical expenses of oh, let's say, 20X your net worth or annual income, whether you might see things differently.

A family of four on a $50K annual income would find a sudden $1000K obligation utterly devastating.

That's life for (IMHO) too many of us. On average, it has far more to do with luck than your proffered causal moral failure. I think we can do better.