You have a contradiction in your logic. Poor people working "regular, shitty, low-paying high-demand jobs" do not have savings. The numbers may vary somewhat by

You have a contradiction in your logic. Poor people working "regular, shitty, low-paying high-demand jobs" do not have savings. The numbers may vary somewhat by country but here [1] they are for America. 85% have less than $10k. 50% have less than $1k. 34% have $0. And there's probably going to be a pretty good correlation with savings and income. The 15th percentile in household income is about $120,000. Interestingly enough indicating even relatively well off Americans are awful at saving! [1] - https://www.fool.com/investing/2016/09/25/how-much-does-the-average-american-have-in-their-s.aspx https://www.fool.com/investing/2016/09/25/how-much-does-the-...