NigelTKM:
Why do businesses cover themselves with so many different policies, for their keyman and for their own employees like you and I? We are all businesses, our own lives, our investments, our families, ourselves. These are part of our very own business in life, but why is it that we just focus on investments? Didn't investment itself teach us to mitigate risks?
The world is designed to protect the rich. The richer you are the more incentive and protection you are getting directly or indirectly. Eg. Perks from different banks and businesses, the rich get to loan big amt of money for investment that will bring them even more $$$!
Everyone on this world need money to survive. Every single thing we need can only be exchanged with money. Even the health nowadays can be exchanged with money. Traditional method of earning money is to sell our time, that make most of us an employee with a pay cheque which is just sufficient to survive without dying.
Another alternative to make more is through investment. The simplest is stock market. It's easy to begin with and the start up \"capital\" is much lower compared with a small business. A healthy stock investment would be able to generate a decent 3-5% dividend... an amt better than bank interest definitely.