So you can't imagine a scenario where your children or grandchildren are struck with some illness or disability? Or even where they through no fault of their own, make a bad investment on dodgy advise and lose their life savings? Or or or? Considering the affluence of those who came before me, my fortunes have been pretty crumby. Bad luck can afflict anyone. That's what the state is there for, not merely to 'carry' some supposed willfully indigent underclass, but your children and their children too - if and when they need it.