Why does there have to be a "structural reason" for it? Why must there be external blame assigned to something simply because it is commonplace in a population group? I'm curious what arbitrary line you've drawn that lets you delineate between "common-place in the population" vs "due to structural reasons"?
Note how I don't use the phrase "population is stupid", or that the reason is "stupidity". It could be a whole host/variety of reasons for people choosing to ignore possible life events. Everything from a misguided belief in a non-existent "safety-net", conscious decision to accept the risk, or plain not even remotely foreseeable life-altering event. Somehow, I doubt 35% falls under "unforeseeable".
Note how I don't use the phrase "population is stupid", or that the reason is "stupidity". It could be a whole host/variety of reasons for people choosing to ignore possible life events. Everything from a misguided belief in a non-existent "safety-net", conscious decision to accept the risk, or plain not even remotely foreseeable life-altering event. Somehow, I doubt 35% falls under "unforeseeable".