cross-posted from: https://lemmy.ml/post/23245181
this post was submitted on 19 Dec 2024
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A couple reasons I guess is that most people simply don't have the discipline to save up very large amounts money without touching it, and doing so could also takes years if you ever could even save enough for whatever it is.
~~discipline~~ discretionary income
Yeah I was writing with the assumption that you are at least lower middle class minimum since if you are working class in the US neither saving up or having insurance that will actually ensure you are options and you just have to live with being shit out of luck if something happens.