From the point of view of a good 50% or so of the world (if not more), pretty much every Westerner has comfort and safety to fall back on.

Except it is simply not true that every Westerner has safety to fall back on. There would be no homelessness crisis if this was true.

I said "pretty much". The homelessness crisis in, say, the US, affects a relatively small portion of the population; from quick looking up figures, it's less than 1% of the population.

I'm no expert on any of this, but as far as I understand it, homelessness is usually 1. transitory, and 2. usually tied to other serious issues like mental health issues, drug abuse etc. It's usually not a "lack of resources".

> 99% of people do not.

Which really reflects to how most people's parents/family/society is pathetic.

Now I'm not merely talking about a safely net after one burns up millions in a startup but I'm taking about say a safety net after loosing a job etc. I think most people (like me) would be just happy to have stability in life rather than yearn for being financially successful. The precarious existence is depressing.