Counterpoint: It's really hard to appreciate a day job for what it is until you're filling out HR forms to ensure your new baby has health insurance coverage from birth, and you let yourself appreciate the terror of not having that in a system that will do it's damndest to screw you over for any lapses. I have a friend who had a baby and had a gap between the 30 days during which the baby was covered by her health insurance, and the time he was covered by her husband's health insurance from his new job. The gap was the result, if I recall correctly, of her forgetting to timely fill out some paperwork. In that gap, the baby rolled off the changing table and hit his head. The baby seemed fine, but she faced the sickening choice between racking up a multi-thousand dollar hospital bill or just hoping the baby didn't have any internal injuries. Ultimately, they took the chance and luckily it worked out for them because the baby was fine.

These weren't poor people, by the way. They were students at an Ivy-league school who were in the transition period between graduation and six-figure jobs.