[_qbxi]

I know people who don't want to spend $30 on dinner because they already drained their accounts for minor medical problems, yes.

[PaulDavisThe1st]

That's precisely what I meant about disposable income.

Safety nets in my mind are what kick in after a person has no way to pay for necessary stuff by themselves.

Disposable income is what gets cut down by the costs of necessary stuff.

Very few people are going to not go to dinner because they are aware that if they become indigent US society will not pay, and thus feel an obligation to save.

Lots of people will not go to dinner because they've already had to pay for (... you name it ...)

[_qbxi]

The first thing I asked about was healthcare. Without the safety net of socialized healthcare, people routinely have to pay for it.