If you fall out of the rat race in the US you are screwed. No job, no insurance, no health care, no house, no car followed by homelessness and drug use. After all that it would take an insane amount of effort to get you back up to the ladder.
I know socialism is the big scary word in the US, but socialist European countries mostly prevent people from falling down the ladder that far and fast and the amount of homeless and drug use is significantly lower over here.