I don't like how the article isn't exactly clear on whether the people with less than $1,000 in their savings aren't simply using their checking accounts to st

I don't like how the article isn't exactly clear on whether the people with less than $1,000 in their savings aren't simply using their checking accounts to store their cash. I've seen similar articles about a large percentage of Americans being unable to come up with $x amount of money on short notice for an emergency. I think that wording is more specific -- it implies that they don't have the money in any sort of liquid form, whether that be bank accounts, physical assets, or even cryptocurrencies.