Are we trying to build a responsible society from irresponsible individuals?
Because if we're talking about individuals being responsible, we probably should start from abolishing unemployment benefits (everyone must build an emergency fund), retirement benefits (you didn't put anything into your 401k? You'll die of hunger) and all other sorts of social stuff.
Otherwise it sounds like "we, as a society, must be responsible, while I personally refuse to".
Because if we're talking about individuals being responsible, we probably should start from abolishing unemployment benefits (everyone must build an emergency fund), retirement benefits (you didn't put anything into your 401k? You'll die of hunger) and all other sorts of social stuff.
Otherwise it sounds like "we, as a society, must be responsible, while I personally refuse to".