I think this is more a result of how easy it is to spend to your capacity; if you make $500 a month after rent, you're heavily incentivized to avoid any unnecessary spending to avoid either taking on unnecessary debt or hitting 0 in your checking account. but if you change jobs and now have $1000 a month after rent, you'll find ways to 'splurge' on your (short term) QOL by buying more things instead of putting that towards a savings account. The best way around this is to set hard limits for yourself, eg. splitting direct deposits via payroll or setting up rules in your bank to automatically transfer a portion of your paycheck to savings (This is not to say that the government should make it harder to spend money via some black magic or technological measures)
But you're right in that society could do better to set up safety nets so that losing your job doesn't mean impending doom in the form of crippling medical debt and being kicked out on the street. The government, even the republicans, know that this is vital to preventing a complete collapse of the middle and lower classes, given they ran the PPP loan and forgiveness programs, but it's applied selectively because the two party system allows our political leaders to turn a blind eye as long as the other side also doesn't advocate for improving the situation.
But you're right in that society could do better to set up safety nets so that losing your job doesn't mean impending doom in the form of crippling medical debt and being kicked out on the street. The government, even the republicans, know that this is vital to preventing a complete collapse of the middle and lower classes, given they ran the PPP loan and forgiveness programs, but it's applied selectively because the two party system allows our political leaders to turn a blind eye as long as the other side also doesn't advocate for improving the situation.