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But people with credit card are probably living available limit to available limit. Their credit limit is their cash.

is this sarcasm? That’s a wild generalization of people who use credit cards

Studies of US consumers show basically nobody with $600 in the bank.

I hope by that you mean "basically nobody with less than $600 in the bank", because according to the fed's survey of consumer finances, the median household has $2000 in their checking account.

https://www.fool.com/the-ascent/research/average-checking-ac...

https://www.forbes.com/sites/maggiemcgrath/2016/01/06/63-of-...

It’s not a wild generalization; I’m not sure why readers understood it that way.

My logic is, if people are living paycheck to paycheck and don’t have an extra $300 for a gas limit; why would you think that their available credit is any different.

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