This Elizabeth Warren speech on "The Coming Collapse of the Middle Class", is quite insightful & interesting. Another example on how families & individuals shoulder too much risk in the society.
Warren also has a blog, & her Harvard professor website.
My take, in the long-term, we "regular Americans" need to fight for our rights politically.
In the short-term & long-term, save significant money to have as a buffer against layoffs, a major family illness, or other life risks that are now almost totally shouldered by families/individuals.