A lot of people are living paycheck to paycheck. Money in == money out, both by necessity and by increasing spending whenever they have increased income. Some p

A lot of people are living paycheck to paycheck. Money in == money out, both by necessity and by increasing spending whenever they have increased income. Some people are deep in CC or Student debt, so extra money goes there, some are spending beyond their means (or right up to their means). Basically, people don't or can't save (much). So any unexpected expenses need to be covered by income.