Not To Be Improvident

I have to live my life in real time. It's the only way I know how. The problem is not to be improvident. My answer has been to make it all happen automatically--to structure things so that all the bills get paid routinely and money is similarly put away so I can retire. 

But if seat belts can be required by law, a limitation on personal freedom having nothing to do with someone else's safety, why can't we look out for the long-term security of everyone in other ways? There's no insurance industry or effective lobbying for that, that's why. 

We can't only do the things the corporations want and let individuals be helped or hurt as they will. We should structure things so the culture as a whole isn't improvident, making certain of the welfare of everyone. Higher levels of social organization require it.