Anybody without 6 weeks of emergency fund probably doesn't belong in the gene pool.
I know that sounds fascist, but I didn't choose this world.
You're talking about at least 80% of all American workers.
You didn't choose this world but you did choose to reveal being extraordinarily out of touch.
Anyway, right, bitcoin, almost forgot.
So I guess Americans who would rather spend their free money (aka credit cards) frivolously on just about everything *except* paying down debt and building up a savings reserve are somehow "smart"?
And before you say that most don't get paid enough to do that, I know guys who make $30K/yr with a family and kids who have successfully done so. Nine times out of ten, it all comes down to one's priorities in life.
What's out of touch is to believe that your government, society, or whatever will promise that you'll have your job tomorrow. A fifth of Americans are about to lose theirs....literally a few weeks from "lowest unemployment in history!", "greatest economy evar!", and "stock market at ATH!"
https://www.cnbc.com/2020/03/30/coronavirus-job-losses-could-total-47-million-unemployment-rate-of-32percent-fed-says.html