Remember that not all people react adversely to these conditions. Many people cope quite well with demanding work environments, and may even appear to thrive in them. Jobs are not inherently stressful; it is when difficulties arise in coping with the demands, changes, or monotony of a certain job that it becomes unpleasant and increases the risk of ill health. Unemployment can also lead to higher risk of illness, brought about by a major life change and possible loss of self-esteem. Work meets not only financial but also social and psychological needs, and failure to meet those needs carries a high personal cost in terms of mental and physical well being.