Man has an individual and a collective fear: his fear of sickness and helplessness is for himself and those whom he loves. This applies to all, but presses especially heavily on the man with a small income. He is afraid that sickness will come upon him or his family and that he will not be able to earn if he is ill, or cannot meet the hospital and medical expenses for his wife or children: the fear of want and fear itself are one. This fear lives with him as a daily companion until the moment comes when he, like Job, must cry, 'The thing which I greatly feared is come upon me'.

It is to some degree possible, by thrift, to lay by a small reserve against temporary periods of economic stress, but provision for the crippling debts of illness has not hitherto been possible.

The [Commonwealth Government's] scheme … is designed to remove this fear.

Ignoring the biological fact that to function in response to necessity, and to make some struggle for existence, is the basis of a healthy mental and physical existence, the Federal Government of the day has in mind a policy of social security so all-embracing that much of the value of the struggle for life will be lost, and the joy of saving against an uncertain future will be killed.