Most states guarantee for personal savings up to a certain point, depending usually on the strength of the economy. Even in Serbia the state guarantees for personal savings up to measly 5000 euros.
Real estates and investments are not covered usually - which means that if you as individual make a bad investment, you lose everything, usually to the big business. If big business makes a bad investment it gets bailed out with your money.
I mentioned that as a response to PJ's "lower and middle class have only themselves to blame for why they aren't the upper class". It's not that simple and quite frankly, it shows that the system is biased.
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