That, and having health insurance (read: healthcare that won’t necessarily immediately bankrupt you, though that’s by no means a guarantee) tied to our jobs, and a national economy that has very poor labor protections.
Apparently the social media cross-polination that the US and China now have started to dip into have hilighted a concept that Chinese users are calling the “Death Line” - basically, something beyond one’s control happening that essentially renders one financially destitute. You can look up references to that in various places.