> However, if they dont have a 3 to 6 month emergency fund that's on them. This is incredibly out of touch. When I moved out of home at age 18, with unemployed

> However, if they dont have a 3 to 6 month emergency fund that's on them. This is incredibly out of touch. When I moved out of home at age 18, with unemployed parents, I certainly did not have a 3 to 6 month emergency fund. Students and part-time workers generally don't, and a huge fraction of the country is to poor to even contemplate it.