That’s not the calculation. It is, do you want pay 1% now or have a 0.5% chance of paying 100% later. Most people don’t have a lawyer look over their employmen

That’s not the calculation. It is, do you want pay 1% now or have a 0.5% chance of paying 100% later. Most people don’t have a lawyer look over their employment contract, and most people don’t get screwed over like this when they don’t. That is not a cut and dry situation. Honestly, some kind of insurance would probably be more cost effective.