I would think that most employees are already in this risk situation. For example, they are spending borrowed $ on living expenses, or know they have bills comi

I would think that most employees are already in this risk situation. For example, they are spending borrowed $ on living expenses, or know they have bills coming up (mortgage, etc), and they are doing so because of implied confidence that a paycheck will be deposited into their bank account which will allow them to pay those bills on time.