How long does it take a low-wage worker to save up $33K with exploding living costs? The man in this story seems to be upper-middle class, but just imagine if this had been an average working-class stiff. You work your butt off for your country, community, company. You take the hits to be a good citizen. But when an emergency happens you hear, “There's nothing we can do” from the Big (Wo)Man. God help you if you look poor or don't speak English “properly” or aren't a home-owner so local government doesn't give a d@mn about you. No wonder record numbers of people are opting out…