You know people who regularly say on a weekend evening "Sorry, I can't come, I need to put the $34 I'd have spent into my HSA" ?
It's not really about safety nets since most people don't discount (or account) for them (they're in the future). It's about disposable income, and for huge numbers of Americans, that's in short supply due to the exorbitant cost of housing, college education and health insurance & care.
It's not really about safety nets since most people don't discount (or account) for them (they're in the future). It's about disposable income, and for huge numbers of Americans, that's in short supply due to the exorbitant cost of housing, college education and health insurance & care.