A banker who didn't have insurance to cover the cost of not being able to live in his house?
Well, now I know what I've been talking to.
Obviously your family DEPENDS on the government taking care of them.
Seems to me, from outside, that the way it works is that people who pay taxes feel like they're entitled to collect when their time comes.
You still haven't explained what your family does when the hurricanes come through your neighborhood.