Could you be a little more specific? Because that sounds extremely hypothetical.
Sorry, I had an idea in the back of my head that made what I wrote seem more grounded. The idea in mind was of a pretty standard non-union American corporate employee. An employee in a nation that doesn't consistently provide services like healthcare, so many workers find themselves dependent on their employer for health insurance to afford healthcare.
In any event, isn't this whole line of discussion awkwardly suggesting at some point a fiscal risk may be more relevant than risk to one's life/well-being? Shouldn't monetary concerns always take a backseat to the well-being of people?
It isn't a matter of need, but of consistency in one's values. In which case, why would the moral grounds be insufficient?