This is splitting hairs.

40% of Americans can't come up with $400 but luckily a majority of those know a financial institution that can come up with $400 for them.

Anyone who does not have an emergency $400 is not going to have a great time with an unexpected $400 debt on top of whatever else their debt obligations and expenses are.

Is it so hard to believe that we want to live in a country where pretty much everyone has four hundred measly god damned dollars.