I'll share a story that woke me up.
I was a manager on a PC Refresh, where we had employees out in the field. Since they were traveling, one of their perks was that we gave them $50 a day for food; all they had to do was send in their receipts. I was approving receipts for the week, and noticed that one of our employees had only submitted a receipt for $25, so I called him to make sure he understand how the reimbursement process worked, and to ask for the rest of his receipts (which typically were around $300/week).
He told me that all he bought for the week was bread and baloney, since he didn't have the money to front the expenses, which is why the receipt was so low.
I was floored. And that is when I started to realize what it means to not have any savings or access to credit.
(Needless to say, we fronted him the money the next week.)