[ChuckMcM]

So in the ideal world everyone around you is doing the same thing as the card. If that is true, then when something goes wrong there will be plenty of safeguards already in place.

It takes a special kind of hubris to social welfare benefits believing you will never need them.

[baddox]

> So in the ideal world everyone around you is doing the same thing as the card.

That still doesn't constitute financial advice, unless your choice to follow the card somehow influences others to follow the same card, which is unlikely at any measurable level.

[scythe]

I think it is representative of the political volatility of many commenters here that they have chosen to interpret the last line as referring strictly to government programs. The world used is social, which could easily apply to, say, Masonic lodges, labor unions, or even (quite liberally) employer-funded disability insurance.

[BrandonMarc]

Not true. Those who are wealthy and happy give to charity, and not for greedy reasons or boastful vanity. Many charities provide a very valuable social safety net, and by carefully choosing what charity you give to, you can pick the ones that are the most efficient, the most effective, and the least wasteful. And no, paying taxes don't count ... you don't have a choice, there, and you can't personally ensure the money is spent to maximum effect.

[lisper]

> which is unlikely at any measurable level

That's not true. We are social creatures. If the people start behaving a certain way that exerts a very powerful influence on those around them to adopt that behavior. (Unfortunately, this phenomenon holds for negative behaviors as well as positive ones.)