> how terrifying must it be for those less fortunate? The people I know who are less well-off than me simply don't think about it. If the topic does come up,

> how terrifying must it be for those less fortunate? The people I know who are less well-off than me simply don't think about it. If the topic does come up, "well, guess I'll die" is the joke-but-not-really answer. I know someone who was involved in a rather severe traffic incident where a driver disregarded the "no left turns" signal and cut across the bike lane where the person I know was riding a bike. The driver hit her square on and broke her right leg and caused her to fall to the ground and hit her head on a curb, and the driver subsequently left the scene. She (the person on the bicycle) is uninsured and now has several thousand dollars in medical debt that she is largely unable to pay and additional medical needs that are going unmet. Situations like these, where I can be doing everything right yet still fail, are why I do not leave my job at a FAANG. I am largely healthy, though my spouse and kid have a couple of (minor) medical conditions, yet I am absolutely never going to be without the A-One-Top-Tier-Super-Golden medical insurance my employer provides. I have wanted to start my own business or simply move to another job at another employer where the benefits are not as glittering but I cannot justify the risk.