Earlier quoted context omitted.
I've seen too many people say, "Oh, government workers should all know this stuff happens all the time, and if they don't have months or years of savings in the bank then it's just their fault". It's really sad that instead of being compassionate, too many are focusing on what "should" be instead of what is the reality for many people. Like you point out, the reality is that most people don't have savings. They shoul…
The thing that really bothers me about that "They should have savings" logic, is the expectation that they should have to use them. Yes. They should have savings. EVERYONE should have min 3 months of income in savings. No one should be expected to use it.
If there is no condition under which you're expected to use it, it's just stranded money...