I get that. More than happy to accept that point.Mate, I'm not saying you are wrong - if you wish to be more cautious then that is your choice - we all have to be true to ourselves.
For me the additional responsibility of a child on its way was sufficient incentive to position myself so that the risks became negligible. But even if I had failed I would have the most precious asset of all, a child. A child is no more or less precious because of your financial circumstances.
The question I'm asking is, do you and I just look at the same scenario (the risk of not being able to fully provide for our own children without having to become reliant upon state benefits) and see totally a different likelihood of risk, and also view very differently the subsequent drain upon public finances should the risk materialise?
I'm trying to understand the aspects that we view differently.