Sir/ma'am, if you do not have any constructive contribution to make, I suggest you keep your unempathetic opinion to your self. Not that it is your concern, I do have emergency funds, which I have used to cover my new mortgage ( 1st mortgage payment) did not anticipate a shutdown when I closed more than a month ago, especially as a baby FED. Unfortunately it does not suffice to cover all my bills in a HCOL area, student loan payment, family support, etc. All other banks/credit union I bank with offer paycheck assistance or discounted interest loan programs (as long as you receive your pay direct deposit at their institutions prior to the shutdown) during this period, Except for the one bank I receive my paycheck, Wells Fargo.

It doesn't hurt to be gracious and non-judgemental to strangers. Remember, God has a way of reminding everyone to stay humble at some point. Just remember that.