> It sounds like you are speaking from a position of extreme privilege, more than 165 million Americans (over half) do not have a spare ~$400 for an emergency
"Extreme"? What nonsense. I know many middle class people who don't have a spare $400 for an emergency. They also have a boat in the driveway. They don't have an income problem, they have a spending problem.
> And when people get desperate some turn to crime.
Or sell the boat. I remember one couple I counselled that couldn't pay the rent, but had a new car. I suggested they sell that, and buy one they could afford. I was surprised to find out that's just what they did.
It's not a poverty problem, it's a financial management problem. Don't conflate that with being actually poor.
> when people get desperate some turn to crime.
Crime causes poverty, not the other way around.
The downside to treating employees like children is a lower standard of living.