i think maybe only Swiss here have really sustainable model; others I know are typical socialist let's-make-more-and-more-debt-with-unsustainable-social-benefit

i think maybe only Swiss here have really sustainable model; others I know are typical socialist let's-make-more-and-more-debt-with-unsustainable-social-benefits (happy to learn if it somewhere else it works and can work in foreseeable future too without creating huge debt, forcing people to work in their late 60' etc). What Swiss specifically have - we all pay social deductions, within 3 pillars. If you end up unemployed, then you are entitled to 1-2 years of unemployment benefits in 70% of your former income, with some reasonable cap. That is if you worked 100%, in perm contract, at least a year in a row. Otherwise not entitled or payments are much lower. You have to actively search daily for new job and prove it to your unemployment councilor, otherwise they will cut benefits. Those benefits are really structured in a way to pay you while you are looking for a job, not to have some extra long holidays on everybody's else budget. Motivating setup, and since there is a social net of that 70% of my income, I am not frightened on the prospect of losing job and needing to store enough cash to live at least X months/years without any income. Handy when one has big fresh loan on his shoulders.