Something to think about from the great, smart, wise, Walter Williams.
Who owns you? If one owns himself, then it is he who decides how much risk he takes. If government owns you, then you don't have the right to unilaterally decide how much risk you'll take.
Walter Williams - http://walterewilliams.com/
Walter E. Williams, was a prominent conservative economist, author and political commentator who expressed profoundly skeptical views of government efforts to aid his fellow African-Americans and other minority groups.