Changes in Western societies include lowering the retirement age, rising unemployment, expansion of service industries, alterations in employment structure and growing individualization. Beck has also been criticized for his view that all these changes imply the transfiguration of class through improvements related to reflexive modernization and risk culture influencing social inequalities. Elliot (1996) criticizes Beck for failing to sensibly consider that individualization could directly facilitate and promote the spread of class inequalities and economic exceptions. Furthermore, the sociological importance attributed to the possibility of individualization is insufficient to effectively summarize systematically asymmetric correlations of class power. In modern times, individuals are increasingly judged as agents who construct private responsibility and personal security through personal risk assessment of global dangers, information gathering, and risk management experiences. On the one hand this is what Beck calls individualization of risk, on the other the relationships between the development of world poverty and financial inequalities, individualized and privatized risks are more systematic and sophisticated than what Beck describes in his