In America, the answer to these questions is no. The rich should be allowed to disproportionately leech off the system due to their position and advantage and life, and the working class man should be cast aside as a disposable tool the minute he becomes a liability.
In America, the so called "working class" man, that is, the people that works responsible, go to work on a new model car, and live in a nice house, have vacations, etc. If you are responsible enough, you can have the liability insurance of your choice, or live with that risk.