Rascal I get what you're trying to say, but you're incorrect here. Everywhere has short comings. Even SWA has a swpf or wherever it's called. And in my experience it was highly inadequate.

Best friend of mine had his wife go through cancer SWA. With three kids he ate through sick luv and vacations in about 8 months trying to keep it together. SWPF did nothing for him as he was not the one who was sick. He was ready to dive into his 401. Long story short I started up a go find me and we raised a huge amount of money in a very short time. His retirement is intact and she is 100% now.

Even after we get the CBA. We need to look out for each other.
Life happens.