Does this mean the average American is shortsighted and stupid then? “But the average American has less than $4,000 in savings, while 57% of U.S. adults have l

Does this mean the average American is shortsighted and stupid then? “But the average American has less than $4,000 in savings, while 57% of U.S. adults have less than $1,000 to their names.” https://www.usatoday.com/story/money/personalfinance/budget-and-spending/2018/05/22/what-average-american-needs-in-emergency-savings/35175419/ https://www.usatoday.com/story/money/personalfinance/budget-...