Do you have the question wording? I suspect it’s not measuring what this discussion assumes.

From https://www.federalreserve.gov/publications/files/2024-suppl... :

  Suppose that you have an emergency expense that costs $400. Based on your current financial situation, how would you pay for this expense?
  If you would use more than one method to cover this expense, please select all that apply.
  a. Put it on my credit card and pay it off in full at the next statement
  b. Put it on my credit card and pay it off over time
  c. With the money currently in my checking/savings account or with cash
  d. Using money from a bank loan or line of credit
  e. By borrowing from a friend or family member
  f. Using a payday loan, deposit advance, or overdraft
  g. By selling something
  h. I wouldn’t be able to pay for the expense right now