Oh yes, you're right, so not a mortgage, but someone renting, with no savings, and a credit card debt or as you say, a student loan. That is a problem - for a

Oh yes, you're right, so not a mortgage, but someone renting, with no savings, and a credit card debt or as you say, a student loan. That is a problem - for a lot of people, that will mean little to no leeway when things go wrong - but that's not the point that most people are making when they use that statistic.