Jacob Hacker — American Musician

Jacob Stewart Hacker is the Director of the Institution for Social and Policy Studies and Stanley B. Resor Professor of Political Science at Yale University. Hacker has written works on social policy, health care reform, and economic insecurity in the United States. His most recent book, the New York Times bestseller Winner-Take-All Politics: How Washington Made the Richer Richer--and Turned Its Back on the Middle Class , written with Paul Pierson of UC Berkeley, argues that since the late 1970s the American middle and working classes have fallen further and further behind economically because policy changes in government favor the rich and super-rich... (wikipedia)

Americans believe that people should work hard and get ahead on their own, but when disaster strikes and they need help with retirement or disability, Americans as a whole should come to their aid.
Even people who feel perfectly comfortable investing in the stock market and owning their own homes often have qualms about individual medical accounts or Social Security private accounts.