Agreed, that's why I said it was "probably well underestimated"; but even then if 20% of Americans don't have $500 in savings[0], it feels like "everyone" is at

Agreed, that's why I said it was "probably well underestimated"; but even then if 20% of Americans don't have $500 in savings[0], it feels like "everyone" is at best something between 50-80%. [0] https://www.marketwatch.com/story/half-of-americans-are-just-one-paycheck-away-from-financial-disaster-2019-05-16 https://www.marketwatch.com/story/half-of-americans-are-just...