America's Marginal Propensity to Save (MPS) to Marginal Propensity to Consume ratio is ridiculous. Essentially our MPS = .01, and MPC = .99. Many asian countries' MPS is around .10, MPC = .90.
Basically what it boils down to is on average, an American making $50k/year saves only $500/year. So to assume an american cant come up with $2k within 30 days is totally believable, when theoretically it would take a $50k worker 4 years to save that amount.