I work for a big international company that is gradually sinking, and continually laying people off and replacing them with offshore staff. I'm sure I'm not alone among HN readers. I have no idea how much longer I'll have a job for, or whether there will be other opportunities when I finally lose mine.
I have no kids and nobody else depending on me, but still have massive anxiety about being able to provide for myself and remain employed in the future. All recent trends seem to point towards jobs becoming less secure and more globalised.
It's great to be aware of the important things in life, but I can't think of many more depressing scenarios than having children depending on me and no idea how to provide for them.