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This fiscal irresponsibility is half the reason that over the last two years the richest 15 Americans saw their wealth increase more than the bottom 130 million had in total - 170 billion divided by that population yields a $1308 average net worth.
http://www.dailymail.co.uk/news/article-3387392/More-half-Americans-just-500-away-personal-financial-disaster-t-handle-unexpected-emergency-bill.html
The good news is, due to Obama's "Minimum Bankster Blow Job Wage", they can walk into any bank, give five banksters blow jobs, and get $500 in instant deposit.