There's a serious cost to allowing you to manage it yourself - many of those who are "managing it themselves" do not understand that they're in charge of their

There's a serious cost to allowing you to manage it yourself - many of those who are "managing it themselves" do not understand that they're in charge of their own unemployment or retirement, and even of those who are, some proportion will go bust through essentially no fault of their own. Now, the state has a bunch of citizens who are unable to meet the basic necessities of life in situations of unemployment or retirement. Is it really appropriate to let these people become homeless? Die in the streets?