This is true for many categories of risk. (A job is probably more robust than some businesses against some risks.)https://twitter.com/amyhoy/status/761925075826278401 …
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they also can literally insure you against disaster: disability, death, unemployment. Some of these are expensive on own.
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if a corp. can afford to pay for those things for you, you produce that much value. you can earn ALL the $ and DIY
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if you're in a giant, stable bigco that doesn't do layoffs then yeah, most people are practically counter-productive. :)
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as much as I hated IBM in Ireland, they were very good when I was out for 9mths after car accident
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that said, with consulting I could have worked around physio sessions & exercise. Maybe only out for 3-4mths
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