> For most people in Denmark, emergency funds are not necessary. So you'll never have a car break down? With a home ownership rate of 60%, people who have burs

> For most people in Denmark, emergency funds are not necessary. So you'll never have a car break down? With a home ownership rate of 60%, people who have burst plumbing and flooding, leaky roofs, etc, will never have to deal with a sudden repair bill? I live in Canada, and we have decent employment insurance, but if by water heater bursts and floods the basement, or my furnace dies in the middle of winter, EI won't be useful.