In "The Fifth Risk," Michael Lewis presents a critical view of how modern society's identity has shifted from that of a Citizen to a Consumer. This transformation underscores a fundamental change in how people perceive their role within the government and society. Citizens once engaged with the civic ideals of community and the common good are now seen primarily as consumers seeking personal benefits and conveniences.

This shift has significant implications for the relationship between individuals and their government. Instead of viewing government as an entity that works for the collective welfare of its populace, many now see it as a service provider, akin to a waiter or concierge. This perspective reduces civic engagement and the sense of responsibility to contribute to the collective good, emphasizing self-interest over community well-being.