system
A chat on subreddit /r/NoStupidQuestions
human
It's believed 20% of adult US citizens have no significant savings and live unable to pay for a major unexpected expense. Transmission in your car fails, You're screwed. Get in an accident without collision insurance, you're screwed. Come down with a partial disability, you're screwed. etc. etc
gpt
No, it's 63% of Americans.