Even your source says a minority of Americans (even though it again, cherry picks from that study). The actual statistic is that when asked if they could cover

Even your source says a minority of Americans (even though it again, cherry picks from that study). The actual statistic is that when asked if they could cover an unexpected 400$ bill - 40% of Americans responded that they would sell something to help pay it OR couldn’t pay it. Secondly the survey itself admits that it had an, “oversample of individuals with a household income less than $40,000 per year” https://www.federalreserve.gov/publications/files/2017-report-economic-well-being-us-households-201805.pdf https://www.federalreserve.gov/publications/files/2017-repor...