That's fair. The point I was hoping to make though is that being self employed or even running your own startup has significant non-obvious financial risks/exte

That's fair. The point I was hoping to make though is that being self employed or even running your own startup has significant non-obvious financial risks/externalities when it comes to emergencies and healthcare in the US. Those risks have to be offset with cash beyond what many people assume is sufficient due to non obvious factors. Planning and good advisors are key.