My takeaway:
Aww, puppy!
Why is the last staring at me over her piggy bank with a creepy smile?
Hmm, WE don't have that much in our emergency fund!
Oh wait, but we do have 5 months cash available, we'd just reallocate in an emergency.
And finally: yes, if people squirreled away their money first, there would be less problems later. Maybe we should start turning people into squirrels.