I think it’s more like insurance than a social safety net. It’s also private instead of public and therefore by necessity, political, which is undesirable for m

I think it’s more like insurance than a social safety net. It’s also private instead of public and therefore by necessity, political, which is undesirable for many people. And I don’t think it’s in lieu of a social safety net. This would exist to stabilize a lifestyle. A social safety net would still exist for adults that can’t take care of themselves through government funded shelter and food and other things. I would expect a professional couple with plans of a family wouldn’t be able to (or want to) rely on the whims of government assistance. You’d maybe want to plan a lifestyle and getting up front money could have benefits. Similar to purchasing additional life insurance if you have kids.