For those who do not, they will need some assistance. The greater problem is the political one. Workers feel insecure because they fear losing their jobs and not being able to easily find new jobs that pay on the same scale. When the economy turns down, many will be laid off. Even during prosperous times, some workers have difficulty finding or creating new jobs.
Many workers have wages so low they can barely pay their bills, let alone save money.
There must be some barrier between workers and resources, keeping some workers out of jobs while cutting the pay of those working. Taxes, including payroll taxes, make labor expensive to hire while leaving much less for workers to take home. Without these barriers, a strong market for labor would raise wages and eliminate the uncertainty of employment. It would be much easier and less costly to hire workers or start your own business. Real security consists of there always being a ready market for your services.