I would say that it’s more due to the data showing that if you’re not in the top quintile of income/wealth (maybe even top decile), then you’re going to fall further and further behind in the income/wealth gap, and probably also handicapping your descendants chances of being in the portion of society who has increasing wealth/income/security.

So the pressure is there because the pressure is actually there in real life. Who can afford to take chances when a medical bill can ruin your family’s chances at having a stable future?