One reason in the U.S.: Health care insurance. All the more so if you have a family. Individual insurance in the U.S. is a recipe for disaster. (It may not

One reason in the U.S.: Health care insurance. All the more so if you have a family. Individual insurance in the U.S. is a recipe for disaster. (It may not befall you, but the odds are far greater than miniscule that it may. And as you get older, individual insurance -- or no insurance -- becomes increasingly risky, along with the likelihood that you will have a family including dependents.)