[hiAndrewQuinn]

Not totally sure what argument you're making here. Say you're a professional making $100k per year, with a 1% chance per year of losing your job. A 50% unemployment insurance policy like I described in a private market should cost you a little over $500/yr. That still seems like a good deal to me, and probably to most people.

[bluGill]

Your chance of losing your job is a lot more than 1%.

[hiAndrewQuinn]

And life insurance is more expensive when you're 85 compared to 25. Do you understand how insurance works?