I see what you're saying Kathryn. I was in the same boat in my first marriage when my firstborn was a baby and I was pregnant with our second child.
But, here's the thing. We didn't get sick. We got
very lucky.
I know a young couple who is up to their eyeballs in debt, who live in a tiny two-room apartment with their newborn baby girl, and the reason why they're in debt? The new mom had a gall-bladder attack (she's 20), and the newborn had severe jaundice and had to stay a bit before they were allowed to bring her home.
Now they're over $30,000 in debt. Why? The husband had a full-time job, and what little they could put toward their deductible when she had to be rushed to surgery ran out quickly......and then he was laid off when she was pregnant and had their baby, and so now they're getting help completely from their church. I went over to fix them dinner as well as getting them about a week's worth of meals.
Yes, they're very happy with their baby, but they're worried about what the future holds. They don't have a car, either. And since I've worked with both of them in theatre before they were married, I know they are both very hard-working people.
They are also very,
very deeply committed to their Christian faith, and both lead various prayer groups and Bible studies, and so believe in the concept of God blessing them with what they need when they need it.
Sometimes, it just isn't all that simple. People can have a work ethic - which I won't deny does help - and then people are just lucky by not getting sued or not getting sick or not getting hurt in an accident. Working hard is not the "X" factor.
**** happens. From personal experience, I see that it will take more than a few years for them to crawl out of their hole, but who knows if any more setbacks will happen for them? And from personal experience with health problems myself, who knows for us, too?