To be fair, the reason so many people can't afford a $400 emergency is because most people don't save anything in the bank. And this is not exclusive to working

To be fair, the reason so many people can't afford a $400 emergency is because most people don't save anything in the bank. And this is not exclusive to working class folks. A lot of people do a terrible job budgeting/saving/investing because they weren't taught to do so. $20 in the bank every month would do plenty to give you a little bit of financial leeway.