There is also the problem that those who live paycheck-to-paycheck tend to be excluded from more efficient ways to (e.g.) pay bills. For example, if you pay a bill here by direct debit (electronic transfer) you'll pay one rate. If you pay using a top-up card, or by mailing a cheque each month, you'll sometimes pay 5-10% more for the privilege. It can make the difference between having money to save and having nothing to save.