It is certainly why they are getting screwed though. People should aggressively save, so they are treated properly.

People also sometimes willingly make themselves exploitable, through their own fault, by adding tons of debt and liabilities (children, houses, vehicles) into the equation. One would be a fool to think people aren't looking at those to assess your risk tolerance

Considering that's kinda what you're arguing for when you say that they should just quit, yes, I would consider it relevant.

"People also sometimes willingly make themselves exploitable, through their own fault, by adding tons of debt and liabilities (children, houses, vehicles) into the equation. One would be a fool to think people aren't looking at those to assess your risk tolerance"

No. The fault for exploitation is ALWAYS entirely on those doing the exploiting. Always. They are the ones actively choosing to fuck people over.