not as straightforward as ya seem to think blaze, most people wed with young families, DO NOT have money to put to one side fer a rainy day fer yer 3 months of paying bills, n i know,been there n done it. sure it can be difficult fer single people, as you illustrate, but many have a different mindset with young families, they do not like borrowing money,plus it certainly not as easy to do so,these are things ya will discover on yer journey through life.
