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Prudence, you are of course technically correct. Your employer does pay the insurance premium or portion of the social security and medicare withholding, etc. But it is all smoke and mirrors. They only pay that because you are employed there. If you were not employed there, they would not incur those costs.
I really respect your gumption and willfulness in putting money away for that rainy day. If more people had that as a goal, fewer would find themselves in need of help they could have provided for themselves with better planning. Does this mean everyone could? No. But I beleve more can than currently do. It is an issue of prioritization. If I choose to spend a couple Gs on my DL vacation this summer with the family, that's 2 Gs less I have to put away for that rainy day. When that rainy day comes, if it does, it could be that I could have used that 2 Gs for something more important. My choice, my responsibility.
Perfect system? No. BUt the fact of the matter is we live in a market driven economy in all aspects of life. Those with the money can afford nicer cars, homes, whatever. Of course those with more money can afford better quality health care. The government here in AZ does provide health care for the poor. There is medicare and medicaid on the federal level, and hospitals by law cannot turn away anyone who needs emergency assistance.
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