Did you read your own link? >Four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling s

Did you read your own link? >Four in 10 adults, if faced with an unexpected expense of $400, would either not be able to cover it or would cover it by selling something or bor- rowing money. So exactly like I said, 40% don't have liquid cash of over 400$ consistently on their bank accounts. That means it's not bound to be an I come problem, but might be a symptom of the ease of debt/credit in modern times.