Some people say that no matter how bad your current situation is, such as a meager salary, facing unemployment, and so on, as long as there is a deposit in the bank, it is not a concern. And if you spend every penny you earn, then you are really in desperation. Therefore, only savings can make a person truly independent financially.
statement, which of the followings may not be enough for the opponent's point of view?
People who earn a penny and spend a penny won't face despair even in bad circumstances.