[ProblemExplorer]

> person gets crashed into and injured, then a poorly timed market crash eliminates 70% of their savings driving them into bankruptcy

I think you need to collide your imagination with reality by asking whether majority of the recipients of this subsidy ended up there due to these terrible situations outside their control similar to what you suggest.

The crash, injury, market crash are all events that have happened to everyone and sure, it does affect a few people worse than others, but, for the problem at hand, are those the root cause, or something else entirely?

and should society as a whole ensure people have the training and skills to be more resilient to impacts from crashes, injuries, market crashes?

Extrapolating exceptional situations and weaving them into a story that feels good and fits an evil narrative that will have a terrible impact on future generations to come isn't a step in the right direction.

This is a political trick that exploits people in bad situations and does nothing to ensure that future generations don't end up in similar bad situations.