[a_bonobo]

The "fallback option" matters in so much and is something that's, IMHO, extremely underdiscussed in society. I see politicians rail about how poor people don't risk anything without themselves realizing that they come from middle-class/rich backgrounds and could risk more in their lives.

In my case, I've moved from Germany to Australia without many prospects and still managed to land on my feet. Friends with less money always asked me "aren't you scared?", after a while the realization hit me - I wasn't particularly scared because if things wouldn't have worked out, I could've just used my parents' credit card for a $2000 flight back, no need to worry. My "poorer" friends don't have that option so they're naturally scared of something I didn't even consider, an "unknown unknown" for me.