how about insurance and charities? If we have a transferrable health savings accounts for everyone, a parent can insure their child incase of worst case scenar

how about insurance and charities? If we have a transferrable health savings accounts for everyone, a parent can insure their child incase of worst case scenarios and the savings transfer from parent to children. If we have a productivity savings accounts for the days where you cant be productive that would handle individual level failures. Govt works best when it does less and is a last resort system instead of the first.