That's not the same risk. That's a voluntary agreement of work in exchange for cash, and either side can stop at anytime. Legal and contractual obligations like pensions and severance can also be layered on. What assets and liabilities that employee has in their personal life doesn't factor into calculation, they could be independently wealthy for all you know.
Also why does it have to be "large quantities"? Buy 1 share and you're a part owner. Many large companies have stock plans. It's not rare and if you're an employee then by definition you "have money" from working.
Also why does it have to be "large quantities"? Buy 1 share and you're a part owner. Many large companies have stock plans. It's not rare and if you're an employee then by definition you "have money" from working.