> They begin the year at $0 and they end the next year at $0. Or they're dead. If you save an extra $2000/year, what are you supposed to do with the money if

> They begin the year at $0 and they end the next year at $0. Or they're dead. If you save an extra $2000/year, what are you supposed to do with the money if you're always hungry, if you're always cold? I'm guessing you could buy food and clothes; you'd end up at $0, just slightly better off. If there's no safety net to rely on, you'd save to be able to face the next problem, and maybe pay it less with your health (which is a kind of invisible debt). And that's even assuming there's some certain income you can rely on. In my case, I know that for the next few months, I'd at least get unemployment benefits if I lost my job. Not everyone get that, and if you don't, the income floor is $0 and it's way harder to budget. Another aspect to consider is that maybe the case of a single person who would be in poverty throughout a long life is not representative of poverty. Some people get out of poverty, some fall into it, some die early from it. If we're considering a single person always starting at $0 and always ending up at $0, several years in a row, we already dismiss these nuances. I'm sure you can find such examples, someone who lived to be 80 with a constant wealth of $0, but how common are they really?