There is a lot here about the interpretation of &quot;savings account&quot; and I agree that it is problematic.  I have 10x as much in investment&#x2F;checking as savings.  However I don&#x27;t think that fixing the semantic issues would change the overall issue: the distribution of wealth is even more skewed than the distribution of income.  Most of this country would be utterly ruined if they got into a car crash and owed $10k to medical&#x2F;repairs.  And then there are people like most of HN (and me) who get paid ~$100k and save 20-60% of it and are not worried about that situation at all.  It&#x27;s not because we are better people or really that we deserve anything, we just have the right skills&#x2F;opportunities at the right time.  We are the few.<p>I was born into the wealthiest gender of the wealthiest race in the wealthiest nation and I happen to find working in one of the wealthiest industries to be not only easy but enjoyable.  I have won the lottery.  I have no idea what it would feel like to be at the other end of the spectrum, I just hope I don&#x27;t forget how lucky I have been.