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Let alone, a lot of people seem to think that they get the lower capital gains tax on the RSUs... and most companies fail miserably to educate their employees.

Not to mention the horror that is the tax code in US, causing you to underpay taxes... because the company that does RSUs doesn't communicate well with your regular payroll company.

Yeah, even if I think my company will do well, having a large part of my net worth tied up in stock of my employer always feels a bit of an "eggs in one basket" scenario - if something happens to majorly impact the stock value, there's a decent change it will consequently impact my job security.

Because up until about 6 months ago, the 3-4 year run to that point you were better off holding. I'm sure lots of people have had a very expensive (on paper) lesson this year about how much vested stock they should hold on to (if any).

https://en.wikipedia.org/wiki/Endowment_effect