

You don’t finance it, you take a loan from a bank on the company. If the company folds, it goes bankrupt, not you. You don’t take anymore risk than the other workers.
If the company is dead, you’re still a human and now just another worker on the job market. You don’t go to jail for going bankrupt.
The phone rings, that’s the knock. You can hang up for many reasons. Maybe it’s the culture of 100% availability that’s wrong, and not phoning.