Earlier quoted context omitted.
Everybody should be you, if possible. Having enough savings to be able not to worry about the nearest future is not just a perfect option, it's a necessity.
Unfortunately it's not a realistic option for most people. If we're talking about "shoulds", then we should have a welfare state that covers these scenarios rather than putting the burden on individuals, many of whom will not have the means to implement it even if they wanted to.
This means that you have to choose one or the other. Both ways have people who lose, and it won't be pretty for them.