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Well, first, getting to the point where you can maintain your lifestyle (even a relatively modist one) requires taking on quite a lot of financial and personal risk. Like the kind of risk that may exclude you from being able to buy your own house for the foreseeable future (already a challenge for many), or could drive you to living hand to mouth. The problem is at the average end of the income scale and lifestyle today, risk isn't just this nebulous, financial thing: it's not even an effort in the present risk, or the risk of emotional vulnerability - it's the risk of your next decade or longer being blighted with excess debt and possibly dependence on the state or family or whatever assuming even that you're lucky enough for those things to break your fall. In many places if your personal business fails after you quit your last job, you're voluntarily unemployed so, woops, too bad! Not to mention people who cannot just give up everything because they have dependents and all the rest.

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