The problem is, the poor live at close to $0. If unexpected circumstances happen (and they will), they are at risk of going negative, at which point a bunch of

The problem is, the poor live at close to $0. If unexpected circumstances happen (and they will), they are at risk of going negative, at which point a bunch of fees and expenses kick in. If a "wealthy" person has unexpected expanses, they go to slightly less positive then they planned, but nothing actually happens as a result. Not to mention all the normal ways being poor is expensive (eg. you cannot afford to buy the long-term cheap, bulk/durable items, so you buy the more long-term expansive items because they are cheaper upfront). For what it is worth, my only experience with the issues you list also arose from having too much money. I had split money across multiple accounts, and tried to transfer money into account A in order to fund a large payment from account A. Overdraft, because I did not wait for the transfer to clear.