Quote:
Originally Posted by arthurb999
There is ZERO reason to be poor... barring extreme reasons like disability, breadwinner death (but should have life ins), etc. A layoff is temporary and should not automaticly make you poor.
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So breadwinner should have life insurance. Who is going to pay the premiums for they family struggling to pay the normal bills? When a patient has to choose between filling a prescription medicine and buying food, do you really think they are going to keep sending money to some insurance company?
As for a layoff, it may or may not be temporary. If you've been living paycheck to paycheck, you've got no savings or reserve or EF to fall back on when the job disappears. Sure, you collect unemployment, but that isn't as much as you earned on the job and it doesn't last forever. I have many patients who have been out of work for a year or more at this point. They are barely surviving. It isn't so simple to overcome stuff like that.