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Stuck behind a paywall 😔
Sorry I need to get better about that. Link here: https://12ft.io/proxy?q=https%3A%2F%2Fwww.theatlantic.com%2Fideas%2Farchive%2F2021%2F03%2Famericans-who-knitted-their-own-safety-net%2F618377%2F
Thanks!