[EddieDante]

How so? By acknowledging the general utility of savings accounts while explaining why in some cases they aren't fit for purpose?

[lotsofpulp]

For what purpose are they not fit? They can do the same thing paying for layaway would, plus you get the protection of being able to use it for unexpected expenses.

[EddieDante]

If you didn't grow up working-poor and unbanked in the twentieth century you probably wouldn't understand.