Medical expenses -> health insurance

Some drunk driver T-bones you and totals your car -> liability insurance is compulsory

Lose your job and spend a year or two unemployed -> unemployment insurance is compulsory, you get 60 percent of what you made for one year

House burns down and you still owe the majority of your mortgage -> uhg, got us here, we can't afford houses but there is private insurance for that

So even though I pay hefty taxes (or because I do), I still end up much richer than a developer in the US. In theory I don't even need to save up money for retirement, as the general pension fund has me covered (though with the current demographic development I don't fully trust that).

So I probably don't have a good reason to give up my morality of more money. Have been never tempted though.