Do you think you might be understating the probability of failing in business, and overstating the odds of getting laid off? It's not like many businesses haven't closed their doors during the COVID pandemic.

I also doubt the percentage of startups that fail in a given year would compare well against the number of people that get laid off in a given year.

And having 100 customers doesn't help if losing 10 means the business is no longer profitable.

Just because you work a 9-5 job doesn't mean that all of your risk is tied up in the fate of a single employer, subject to their whims.

For most people, if something happens to their current employer, they can go get another one! In this economy especially, with a decent skillset you can probably go get another job in 2-4 weeks.

The real risk is much closer to _how many employers exist that might hire you_. If there are only a couple of businesses that need people with your skillset then that's a problem. If your skillset has a wide demand though then it's fine to only collect your income from one source at a time. If one employer dries up go take your skills elsewhere.

A lot of business are just a few customers away from being unprofitable. That being said, people do often underestimate their chances of being laid off.