“If the increasing wage gap between high and low earners directly or indirectly affects men’s aggregate labor supply, wage inequality might have carried wider implications to the economy than previously believed,” Wu wrote.
https://fortune.com/2022/12/07/men-dropping-out-work-force-status-study/
The thing about life insurance is that it's hard for you to defend yourself in court after you're dead and especially of you're already poor they'll probably just refuse the claim.