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Those are your responsibilities that you need to accept and do twice the work for. That's the cost of having those things.
People who do not have those burdens are not the bad guy. Focus your energy on ways to help yourself instead of shitting on other ppl.
The amount 10k I put is because that's a fuck ton of money TO ME. And would help me a shit ton.
If 10k ISN'T enough for YOU then disregard that number and just put an amount according to your life situation that you consider a large sum of money that would help you while you're unemployed and then answer the fucking question.
Basically, take any amount that you consider a large sum of money, and then apply the same question I asked in the post.
Stop trying to shame and fucking argue. Makes you look bitter