This is true if, when you earn, you earn enough to live OK and at the same time put a bit aside and build up a pot of savings. But many working in the gig and zero hours economies especially - do not earn enough to build up a backup pot of money to tide them through - they simply earn enough to live on. It's all very well saying that they should, but it is not always possible given what they are paid.
BTW - as far as relying on the nanny state - my son was told yesterday that under UC he and his partner will jointly get benefits to the princely sum of £250 - a month...
Each to their own. Your son chose his career path, and I'm sure he's well aware of the limitations in terms of earning. As for the govt subsidising him... I wonder where they get that money from? Ah yes, those that pay more tax. Its not just the bank of mum and dad, its the bank of every tax payer.
Some people do need support. They struggle to get a job or a job that pays enough but those that are self-employed chose their own job. I don't agree with UC for the self-employed.