[...] Another advantage to employers of treating education or health care as human capital development is that risk in labor markets can be outsourced to employees. Why train someone on the job when they might just leave and take their knowledge elsewhere? Why spend time and money teaching skills that may prove obsolete sooner than you think? And why pay into the health insurance of workers who insist on eating too much junk food on the weekend? Instead, let employees pay for their own college credentials and pursue their own wellness plan. The ideology of human capital asks one to think of nearly every form of social existence in terms of an actuarial calculation.