That's assuming one has the ability to sock away enough savings to ease the burden of any long-term unemployment. The reality though is that millions of US citizens do not even have this option, even knowing full well that they need to be saving more. They simply cannot because the cost of living is too great and wages are too low. The fact that the US is "not a social country, you are on your own when shit happens", while correct, is big a problem for all citizens and it amazes me how pervasive this cowboy mentality has become, especially amongst the populations that are living month-to-month and which would greatly benefit from strong social contracts.