First off, adults use capital letters. I know it’s hard but it’s a basic part of our language. I would respect you and your arguments more if you used them. Second, your idea is as naive as your writing is poor. The issue with AA was that accounting doesn’t provide a lot of bounce and recover space for people whose firms go belly up in the way that AA did. A social safety net has precisely zero to do with the loss of a lot of dreams.

If you read more you’d know that (and you would use capitals).

You’re describing a system where taxpayers foot the bill for data breaches.