Well no, that was exactly my point. People who are privileged and don't have anything stopping them from saving, still don't and screw themselves over. If that

Well no, that was exactly my point. People who are privileged and don't have anything stopping them from saving, still don't and screw themselves over. If that's true, then people for whom it's difficult/impossible to save are completely screwed, and we need to chance something, because the odds really ARE stacked against them.