Greeting friend @impersonal, You point out that hard working families will do whatever they can to stay afloat and on top of the bills until they face a crisis that strains their budget which I think is correctYou also said that financial crises come from anywhere, from job losses, health issues or something as simple as car repairs, and you also mentioned that these emergencies put stress and strain on already stretched thin family incomes.I agree with you. agree I appreciate your presentation.