My 4 year old with cancer is not figuring their “way out”, nor is my 7 year old. We are down to a 1 income household, which is fine because we earn high incomes and work from home, so we can still split up and take care of each kid while being able to pay for health insurance and out of pocket maximums.

Insuring against death and orphaned kids is cheap and easy. Insuring against long term disability is not.

If you are a high earner in the US, you can make it your objective and live a far less stressful life because saving a few million is possible.