If you're willing to put in the work, the idea is that you should be able to raise a family and own a home, not go bankrupt because you got sick, 'cause you've got some health insurance that helps you deal with those difficult times; that you can send your kids to college; that you can put some money away for retirement. That's all most people want. Folks don't have unrealistic ambitions. They do believe that if they work hard, they should be able to achieve that small measure of an American dream.