[virtualwhys]

What planet are you on? Paycheck to paycheck means there's (nearly) nothing left at the end of every month.

Clearly you're not in that situation, and likely have never been anywhere near it with that privileged view of the world.

Many people in the States are living on the edge; i.e. paycheck to paycheck, not, "oh, well, I'll just dip into my equities if the need arises".