It's the same reason I believe in things like welfare and support for the homeless. We're all one bad car accident away from being disabled. It's comforting knowing that if things go south in my life I'll still have resources I can turn to. Assuming you'll be able forever is a precarious position.

That arrogant mindset is so prevalent in the US and it drives me nuts We're not inherently better than the less fortunate, we're just in better circumstances for the time being