This is one of the many reasons I like Universal Basic Income. Having UBI would let researchers take risks and have something to fall back on if needed and could reduce some of the pressure
I don't think UBI works well here because in most fields the level of success that the precarious group experiences in industry is substantially higher than a guaranteed minimum. A lot of people have identity aspects tied to their university affiliation and don't want to stop working with the university in part for that reason.
No matter what level we put UBI at, it will almost certainly be less than a third of what a researcher salary would be. Also it's not just about the money. Losing your job means losing access to a lab, access to data, access to grant money and basically everything you need to actually do research.