That's individually a smart move, collectively a dumb one. That strategy won't work for most people. Even the successful white collar workers, especially the on

That's individually a smart move, collectively a dumb one. That strategy won't work for most people. Even the successful white collar workers, especially the ones who are married with children, are financially stressed already and can't save much. You know, if 5% of the workforce follows that strategy, but things go to hell for 50% because of these trends, then we will have rioting in the streets, maybe a revolution with a nasty government installed, that is what history shows usually happens. And then the new government will go after the successful people like you. Some problems can be dealt with only through responsible collective action.