[Rotdhizon]

I'd say look at this generically, without adding exceptions for outliers. Even for #3, a multi-million dollar medical bill could be a huge setback. I'm talking more along the lines of standard happenings. Say if a kid gets sick and the parents need to fork out a few hundred/thousand dollars for treatment. #2 would be able to rely on their cushion to avoid being cast down into #1.