This has been the most frustrating thing for me. The advice for the individual is essentially the exact opposite of the advice for the 'too big to fail'. I understand that the circumstances are different, but it feels frustrating that my accountant would suggest I save 6 months for unforeseen circumstances, but wouldn't provide the same advice to an employer with many people's livelihoods in their hands.

That said: Are there any studies on the economic impact of every company hoarding 6 months worth of safety vs the likelihood of that event vs the cost of no company having the safety net during this pandemic?