> that people feel like any bump on the road of life risks turning into a complete derailment. Maybe because in many ways it can be? Unexpected medical condit

> that people feel like any bump on the road of life risks turning into a complete derailment. Maybe because in many ways it can be? Unexpected medical condition -> crushing debt Police stop goes bad Job loss for reasons outside of your control Wildfires burn your house down, or some other natural disaster