The fundamental problem in most of these is "lack of a safety net". While there are safety nets in society they often exclude the years when someone is most likely to take economic risks - for example, in the US a minimum free medical coverage is provided to those people under 18 or over 65. Personally, I'm thinking that if people knew they couldn't incur permanent damage to themselves or their futures, they would ta…
We have far more safety nets in place than ever - yet people are moving less. We've gotten so used to the notion of safety nets that we're terrified to move away from one lest another not be there - unaware that our predecessors took greater risks, and thus reaped greater rerwards, precisely because there was no safety net. Doesn't help that the paranoia about safety nets results in demands everyone pay for and get p…
Other safety nets are counterproductive, though. My country has very high firing costs, which means less jobs, and job security is very highly tied to years in the job, so in my case, leaving my dead-end but decently paid job for a better job is a very significant gamble (I basically give up all my unemployment rights for a time if I change jobs voluntarily)