What is the use of housing provident fund with five insurances and one gold?

Medical insurance: it is a kind of insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. Unemployment insurance: a system enforced by the state through legislation, in which the society sets up a fund to provide material assistance to workers who temporarily suspend their livelihood because of unemployment. Work-related injury insurance: a social security system that the state or society provides medical treatment, living security, economic compensation, medical treatment and vocational rehabilitation for workers and their families who suffer from accidents and occupational diseases in production and work. Maternity insurance: a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and childbirth female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers. Housing accumulation fund: long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. Five risks: pension, medical care, work injury, unemployment and maternity insurance. One gold: housing accumulation fund. Cost: the insurance base is based on your average salary in the previous year, and the proportion varies from region to region. Take Qingdao's social security ratio as an example (there is little difference). What's the use of five insurances and one gold?

Legal objectivity:

"Regulations on the management of housing provident fund" Article 18 The deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. "Regulations on the Administration of Housing Provident Fund" Article 16 The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.