It's up to the individual to make responsible decisions and turn them into responsible, well-planned actions, for the sake of their and their family's wealthfare.
That's what FREEDOM is. That's what NOT-relying no Government IS.
If people are stupid with money, then they're GOING to lose everything regardless of 'in time of crisis' or not.
Smart decisions with money lead to wealth, or at the very least- security.
Equally- Smart decisions on diet result in a healthier life.
You can't blame an entity for YOUR poor choices. Wisen up. Have Faith.
Not EVERYTHING that has happen to you or 'those people you know' is the DS's fault.