37% of Americans would be unable to cover a 400 usd unexpected expense* without using one or more credit cards. 13% would flat out be unable to cover it. [1] A

37% of Americans would be unable to cover a 400 usd unexpected expense* without using one or more credit cards. 13% would flat out be unable to cover it. [1] Are you honestly saying most families would be able to justify 200 usd a month for ChatGPT? https://www.federalreserve.gov/publications/2025-economic-well-being-of-us-households-in-2024-savings-and-investments.htm https://www.federalreserve.gov/publications/2025-economic-we...