"Households are exposed to much more risk and sources of shock than businesses," says Kathryn Edwards, a labor economist and the co-host of the Optimist Economy podcast. "The risk of shock is getting higher, the cost of shock is getting higher, and the insurance is getting worse."The hidden crisis in the American economy is personal insecurity. Even for people who are generally fine, there's a nagging feeling the rug could be pulled out from under them at any moment, whether it's a layoff, a divorce, or nex ...