> Do individuals retain any agency and responsibility for balancing risk on their own? When their means to provide survival for themselves is not in their own

> Do individuals retain any agency and responsibility for balancing risk on their own? When their means to provide survival for themselves is not in their own hands, no. They have no agency. If you are getting evicted this month for non-payment because you got furloughed, or cannot afford food, or are at risk of losing essential utilities because you are bankrupt, you are not making "personal decisions". You are either going to be homeless & hungry or bow.