> Most people simply say "I can spend until my bank account is empty". I don't think this comes down to just individual discipline/budgeting either. If you re

> Most people simply say "I can spend until my bank account is empty". I don't think this comes down to just individual discipline/budgeting either. If you rejiggled things to that people who live paycheck to paycheck suddenly have non-zero amounts of money in their accounts for most of the year, I bet you'd suddenly see cost-of-living prices/rent adjust upwards so that they're living paycheck to paycheck again, except then they're fucked when taxes are due. Landlords etc aren't gonna leave money on the table.