Disability insurance is not cheap. But you have to weigh your own situation: what would happen to your own personal lifestyle if tomorrow morning you could not work any more? What would you do? Unless you have a rich uncle, that is.
The horror is how anyone would make it if they were unable to work because of a disability.
We have to work through capacity bottlenecks and need more focus on production processes to improve order fulfillment and supply chain efficiencies,