Unfortunately, that 'safety' of a 'regular' income is almost entirely illusory as well. Employers stopped providing insulation from market fluctuations in the 1980s. If your market dips, your company will hemorrhage workers without a second thought. Your desire for a place you can 'settle down' will also be ruthlessly exploited, and if you don't jump to a different company every 4 or 5 years, you will rapidly end up making radically less than you could elsewhere due to your experience level. This is unfortunately the scenario companies have built. It can be dealt with so long as you understand the game as well as they do, though.
'Make game of that which makes as much of thee.'