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http://www-personal.umich.edu/~shapiro/papers/Govt-Shutdown.pdf?
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https://www.federalreserve.gov/econresdata/2014-report-economic-well-being-us-households-201505.pdf?
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https://www.nber.org/papers/w17072.pdf?
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https://www.washingtonpost.com/blogs/the-fix/wp/2015/06/03/tnearly-half-of-americans-say-they-cant-afford-an-unexpected-400-expense?
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47 percent of Americans can’t pay for an unexpected $400 expense through savings or credit cards, without selling something or borrowing money.
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