Or "none of the above"? Did you forget about Eastern, Pan Am, Midway, Braniff, Aloha, ATA and others that shut down? Each time (era) that these companies shut down (early 1990's and early 2000's), jobs were scarce and many pilots lost everything while hanging on for a career job. There are many of these pilots still flying.

Your broad brush assessment of peoples professional and personal lives comes across as pretty arrogant and uninformed.

Truly hopeful that you do not experience any Black Swan events during your career. Nobody deserves to go through that.

S