Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Is the contribution towards Employment Insurance (EI) wasted if I never get fired, or are my premiums refunded?
I would suggest they are not wasted because your premiums fund unemployment insurance, which is a net to prevent people from going under if they lose their jobs. Unemployment insurance is in many ways an incubator for success because it allows an entrepreneur to take more risk in starting a business because failure won't mean devastation. Perhaps that person who took the risk because of the ability to fail started the business that you now work for. Society works better (in my opinion) by keeping the bottom closer to the top.  Paying into the unemployment insurance fund indirectly provides you opportunity.