Incorrect on some of your statements. You don't have to pay anything out of your paycheck however you do not get those services and don't go begging for help later when you are in trouble. You don't get to play ball at your convenance, either play their game or not, until you know how to operate in both worlds properly. Don't go to a Chevrolet dealer saying Ford does it this way, learn both ways until then stick with one and don't complain either way it's your choice. If someone comes to take something you own that is theft and should be treated as such. No one should fear thieves.

EDIT: this only applies if you are not employed by the public/federal or do business with them.

Incorrect on some of your statements. You don't have to pay anything out of your paycheck however you do not get those services and don't go begging for help later when you are in trouble. You don't get to play ball at your convenance, either play their game or not, until you know how to operate in both worlds properly. Don't go to a Chevrolet dealer saying Ford does it this way, learn both ways until then stick with one and don't complain either way it's your choice. If someone comes to take something you own that is theft and should be treated as such. No one should fear thieves.