A safety net is essential. Only government can offer that.

Nearly everybody believes this, it's one of the greatest errors in the last about 150 years since social and welfare states have been established! History and a bunch of theories and logical lines of thought show us the voluntary alternatives:

• Friendly societies
• Self help facilities
• Self-insurance communities
• Charitable organizations
• Help from family and relatives

and more

I think all together is more than enough.