On $300k a year, either you're not really precarious or you're making utterly reckless financial decisions.
You can comfortably afford the best available health insurance. You can comfortably afford very good life insurance and income protection insurance. You can comfortably afford to save a substantial amount for emergencies and retirement.
You're in a completely different situation from someone on $30k a year, who is undoubtedly living paycheck-to-paycheck. For you, a broken boiler or a major engine repair is a near-trivial expense. For someone on $30k, that same expense might put them into debt for months or years. If the mailman brings you an unexpected utility bill or parking ticket, you're not faced with the choice of skipping meals or going into debt.
You can comfortably afford the best available health insurance. You can comfortably afford very good life insurance and income protection insurance. You can comfortably afford to save a substantial amount for emergencies and retirement.
You're in a completely different situation from someone on $30k a year, who is undoubtedly living paycheck-to-paycheck. For you, a broken boiler or a major engine repair is a near-trivial expense. For someone on $30k, that same expense might put them into debt for months or years. If the mailman brings you an unexpected utility bill or parking ticket, you're not faced with the choice of skipping meals or going into debt.