This is likely worth doing, but I am fairly sure that LWers are for the most part not wealthy enough to create this financial safety net. This seems like a concept that is worth a discussion post: what would LWers do if they had a financial safety net?
If it's worth saying, but not worth its own post (even in Discussion), then it goes here.
(I plan to make these threads from now on. Downvote if you disapprove. If I miss one, feel free to do it yourself.)