I think parent was saying that the people who have over $400 in their account may already have it earmarked for rent or other bills. If my monthly rent is $120

I think parent was saying that the people who have over $400 in their account may already have it earmarked for rent or other bills. If my monthly rent is $1200 and I have $600 in my account, it doesn’t mean I have $400 I could spend in an emergency