Good for you, really.
I don't know what it is like to have nothing. My college was paid for, I have lived a priveleged life for the most part, nor can I say I worked for everything I have because what I have most is the NOTION of privelege, I used to think that a bad thing (inherent liberal guilt I suppose). But I know that as I expect of myself and those around me, I usually get.
However, I know that a single illness, for me or for anyone I love could spell disaster. When I was younger I was privey to my father's financial dealings (glad for that). While I would have been a bit more daring he was not, he lived through the depression and forever held that there would be another and he was not about to be taken unaware twice. I am never sure how he would have responded to "the great recession". I noticed once that he was paying for my brother's health insurance. I resented that as I was paying for my own at the time. I confronted him over it and I will never forget his reply.
I have too much to lose, we all do. Your brother refuses to spend his money on insurance. If he should get into an accident, or get very sick we will not forsake him and will be forced out of love to spend, if need be, every cent we have in order to have him alive and well. I would rather spend the money it takes to insure our fortunes than qubble about entitlement.
Then I asked if he would pay for my insurance and he said no. I asked why not and he said "because you understand what I just told you about your brother - he never will".
Shit happens.