Visa-dependent workers cannot take entrepreneurial investment risk because losing a job means deportation

H-1B, L-1, and other employment-based visa holders are legally tied to their sponsoring employer. If they leave or lose their job, they typically have 60 days (per a 2017 DHS rule) to find new sponsorship, change status, or leave the US. So what? This makes it financially irrational for visa holders to invest in illiquid or high-risk assets like startup equity, real estate, or concentrated stock positions. So what? If they lose their job and need to leave the country quickly, they cannot easily liquidate illiquid investments, and selling under time pressure means accepting fire-sale prices. So what? Visa holders rationally over-allocate to cash and liquid low-return assets, sacrificing 3-5% annual returns compared to an optimal portfolio. So what? Over a 10-year period on an H-1B before getting a green card, this conservative allocation costs the average visa holder $50,000-150,000 in foregone investment returns on a typical $500,000 portfolio. So what? This is a massive, invisible wealth transfer from immigrants to the system -- they subsidize the US economy with their labor while being structurally prevented from building wealth at the same rate as citizens doing the same jobs. The problem persists because immigration law treats workers as temporary visitors even when they're clearly on a path to permanent residence (green card backlogs for Indian nationals exceed 100 years). There is no coordination between immigration policy and financial planning guidance, and no visa category provides enough job-loss runway to allow rational investment behavior.