[ap3]

>Whatever happens to you, professionals will take of you and you won't have to worry whether your family will go bankrupt because you stumbled as a kid or not. Because the society as a whole has build a net that will catch you when things like this happen.

Why?

Who builds the net?

[martin_a]

In case of Germany those laws are in effect since 1884, not sure what your favorite translator might make out of [0], but it's been established for a long time and therefore a well respected and valued achievement of the earlier times.

So, obviously since 1884 the society has build this net with their monthly dues. Currently it's around 15% of your loan.

[0] https://de.wikipedia.org/wiki/Geschichte_der_Sozialversicher...