Like in all things, risk can come from all over the place. Microsoft recently decided to cut off a foreign military from Azure under pressure from Microsoft em

Like in all things, risk can come from all over the place. Microsoft recently decided to cut off a foreign military from Azure under pressure from Microsoft employees, because that military's use of the platform was in violation of the terms of service. In these times, what happens when an action like that leads to Satya being declared an enemy of the people? Systematic corruption means that Intel or Oracle may pop up 40% in a day. That same dynamic and punish others. Reality is, the vast majority of people do not have the ability to have a year of expenses earmarked in liquid investments. The 50th percentile US household has <$10,000 in liquid assets, the median total net worth is $174,000 and 55% of US adults have 3 months of savings at hand.