"So breadwinner should have life insurance."
Hell Yes.
"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?"
They should not be in this sutiation if they made good decisions in life. If they made bad decisions, tough crap. If they can't afford where they live, move. If you can't afford food, get a better job... 2nd job... buy cheaper food, get food stamps.
"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." [/quote]
Living paycheck to paycheck is 100% their own fault. Live below your means and save. This means spend less or make more... pick one and go for it.
People make it seem like being poor is just the hand you were dealt and you have to be poor forever. That's not the way it has to be...
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