In an age of precarious labour, when full-time, permanent employment has been replaced with episodic, contract-based, part-time and temporary jobs, workers are expected to understand themselves as individuated risk managers in an unforgiving, dog-eat-dog world … Pensions, healthcare, education and transportation cease to be common concerns and modes of collective insurance and become sites of personal risk management and individualized investment (Martin, 2002).

Max Haiven, Cultures of Financialization, loc. 266