> even people without money could pool together with this kind of disparity. i think you're underestimating just how little money "people without money" have

> even people without money could pool together with this kind of disparity. i think you're underestimating just how little money "people without money" have. a widely quoted statistic [http://www.theatlantic.com/magazine/archive/2016/05/my-secret-shame/476415/ http://www.theatlantic.com/magazine/archive/2016/05/my-secre... e.g.] is that half the country couldn't raise $400 in an emergency.