I am against payouts to corporates or people. Everybody pays fair taxes and everybody gets same services.

But the premise wrong. No one has those savings although everybody is wishing and planning to do it every year. People who have six months emergency funds would most likely think of better alternatives to the current job. Most people are dreaming of doing it every day in the work commute.

Our inability and dependencies come from living on the grid. There are two factors at work here. (1) The wanting of things in the grid and (2) our dependency on and fear of getting off the grid.

First is our financial habits.
We all are caught in the cycle of utilities, mortgages, car loans, credit cards, taxes, fees, and constantly comparing us with others to want vacations, good cars and bigger houses.

The second is ever continuing dependency of labor on the capital
The capitalist economy is made to keep labor - we the workers dependent on employers and never be let free - that's where the health insurance and paycheck come in. We are afraid to get off the grid.

We will never have 6 months emergency reserves in this grid. We have to get off this grid. It is a vicious cycle.

What is getting off the grid? Here is what it can mean mildly without going into a jungle:

1. Develop an income which in under your control (not employer)
2. Move away from cities - go rural, go small, look for minimal needs, avoid commute, rising rents, away from paying high to live in safe neighborhoods and good school districts, grow your veggies.

The answer to that question is relatively simple- they spent enormous sums of money buying the politicians who decide how the bailout money is distributed and you didn't.

They don't need to concern themselves with being responsible with their money as we do because when the shit hits the fan, it's socialism for the corporations and rugged individualism for us.