So you want to cut reliance on government assistance because when people are used to believing the government will be there to help in emergencies they will be left unprepared if the financial solvency of the government collapses completely, like in Greece.
I suppose that's logical in a strange kind of way, the biggest problem with this though is that you seem to be accepting government insolvency as just another reasonable outcome to plan for.
Um, how about avoiding that from ever happening? There are some outcomes you just don't allow to happen. The great thing about a democracy is that if it really comes down to society collapsing you can change the rules as much as needed.
But Ryan here is saying that the relationship between people and government should be set up in such a way so that if government ever ceases to exist, people and society could continue on as if nothing happened. That's just not realistic.