It's a systemic issue if we can't afford to have morals. In the US, It's not just a paycheck you lose with your job. Many benefits are tied to employment. It's hard enough to quit a job (for any reason) in order to take time to find a better one. If you're whistleblowing it's even worse, as that generally invites a long legal battle & having future potential employers reluctant to hire you...

Of course, seeing what happened with Snowden or even other whistleblowers more recently, like Suchir Balaji or John Barnett, makes it clear that more than financial security is at stake & acts as a chilling effect.