100% agree. This pull your up by your bootstraps. The expectation that everyone is a competent businessperson or doctor or lawyer or mechanic. I have known so many people that are simply not competent enough to do things and yes they deserve to not be on the street. Many give back to societ just not in ways that fit a mold but in some cases maybe not. It should not matter. There should be floor. Does not have to be great but it should be there even if you just sit around drinking or smoking all day. The typical person should be able to blow their whole paycheck and still get by and retire eventually. Because guess what bootstrappers. People blowing their money at the low level is good for the economy. People should not be saving or investing with no idea how those things work but because its the sytsem. Better for the government do that. People should be saving or investing for reasons. Because they are recognize what is a good investment and what is bad and not just to throw it in the market and hope. Or squirrel away in a bank to get a down payment. Spending is a good thing and we should encourage it by making sure no one has to worry about falling past a minimum.