Yes, that's the point. Most households in the US have what you call serious money issues, and cannot easily save 10k on a 51k income. They need almost all of th

Yes, that's the point. Most households in the US have what you call serious money issues, and cannot easily save 10k on a 51k income. They need almost all of that money for living expenses. When they do save up some money, it's an emergency fund, not a European vacation fund.