Personally, what is important is to have a safety net. People should have the emergency fund rolling when they get in trouble, specifically when they don't get any income. Another problem that arises is whether can people save and not spend paycheck-to-paycheck on their monthly expenses. Just simply judging people only need to add their sources of income is insensitive, a lot of factors must be considered.

It is ideal to have extra sources of income so anyone does not have to rely on a single entity. But sometimes a factual reality may prevent people from doing those things, be it time constraints or pieces of knowledge.