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Just to push a point about the effect of luck:

> But then I also could make my savings work to avoid becoming homeless when not earning much money.

You've taken reasonable steps to avoid homelessness.

What happens if someone pushes a software bug out to your bank?

(http://www.telegraph.co.uk/finance/newsbysector/banksandfina...)

(http://www.belfasttelegraph.co.uk/news/local-national/northe...)

It's easy to think "I would cope if I had no access to my bank accounts for three weeks" but until you've faced it it's hard to understand how tough it can be.

And for some people the consequences were a few extra days in jail:

(http://www.bbc.co.uk/news/uk-18589280)




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