> I have no responsibility outside my job duties. The company goes folds? Goes into massive debt? I do not lose sleep or stress in the slightest.

I mean, that's great for you. But for millions of people, their health and wellness is directly tied into making money this very month (and possibly getting health insurance for them and/or their family), and losing their employer because they fuck up directly interfere with that, and will make their life a living hell until they can find a new job, which isn't always easy with the various constraints people have in their life.

One of the best things you can do to make your life significantly better is to figure out how long it would take you to get a job that you could survive with, then save enough many in the bank to be able to live that long without trouble.

"One of the best things you can do for yourself is having enough money" yeah, no shit. Except many (or even most) people can't.

Sure, which is easy for us (here on HN) as we possess skills that are sought after. But even you have to realize that most people aren't in the same situation, nor in situations where they can just sit down and learn stuff like that. In addition, being poor tends to make you more poor, as everything is working against you. But it might be hard to sympathize with that reality unless you've experienced it yourself at one point in your life.

Life is wide, really really wide, and it's a shitty experience for large swaths of the population.

While I don't disagree with you, I also hope you don't live in the US and find yourself in a situation where you or a family member depend on your health insurance for survival.