Sharing Risk (eBook)

The Path to Economic Well-Being for All

Patricia A. McCoy (Autor)

eBook Download: EPUB

2025
312 Seiten
University of California Press (Verlag)
978-0-520-39015-7 (ISBN)

Infos

Examining why society should pool and spread the financial risk that individual families now bear.
 
Over the past sixty years, businesses and government have increasingly off-loaded financial risk onto US households. The toll has pushed tens of millions of people to the financial breaking point, worsened social inequity, and jeopardized US democracy. In Sharing Risk, consumer advocate and scholar Patricia A. McCoy draws on the nation’s traditions of risk sharing to argue that society should lift up families by pooling and spreading the financial risks that they now must bear alone. 
 
Most policy discussions of financial stress on households look at the milestones of economic well-being in isolation: making ends meet, homeownership, quality health care, financing college, and a secure retirement. McCoy offers the first integrated examination of how risk sharing can enable families to realistically achieve all five goals without sacrificing one for another. She makes specific policy recommendations and shows how risk sharing, with its long and venerable history that includes Social Security and the Affordable Care Act, would provide economic well-being for all.

Inhalt

Contents
 
List of Figures
Preface
 
Part I The Bottom 50 Percent
1. The Cash-Strapped American Worker
 
Part II From Shifting to Sharing Risk
2. Counting the Ways: How Families Are Financially Fragile
3. Power Play: The Fifty-Year Assault on Workers' Economic Security
4. The Broken Savings Discourse
5. The Importance of Sharing Risk
 
Part III The Road to Economic Well-Being
6. Making Ends Meet
7. Owning a Home
8. Affording Health Care
9. Paying for College
10. A Financially Secure Retirement
11. What It Will Take
 
Notes
References
Index
 

Produkt-Details

• Erscheint lt. Verlag: 27.5.2025
• Sprache: englisch
• Themenwelt: Recht / Steuern ► EU / Internationales Recht
• Themenwelt: Recht / Steuern ► Privatrecht / Bürgerliches Recht ► Besonderes Schuldrecht
• Themenwelt: Recht / Steuern ► Privatrecht / Bürgerliches Recht ► Medizinrecht
• Themenwelt: Recht / Steuern ► Wirtschaftsrecht ► Bank- und Kapitalmarktrecht
• Themenwelt: Sozialwissenschaften ► Pädagogik ► Sozialpädagogik
• Themenwelt: Sozialwissenschaften ► Politik / Verwaltung
• Themenwelt: Sozialwissenschaften ► Soziologie ► Makrosoziologie
• Themenwelt: Wirtschaft ► Volkswirtschaftslehre ► Wirtschaftspolitik
• Schlagworte: blueprint for wellbeing • centrist liberal • Consumer Protection • Economic risk pooling • financial and social welfare • inequality solutionsLaw • Justice • modern economies • Political Science • Poverty • protection for families • Public Policy • reduction strategies • Risk distribution • Social Safety Nets • stability • the great risk shift • welfare
• ISBN-10: 0-520-39015-6 / 0520390156
• ISBN-13: 978-0-520-39015-7 / 9780520390157