Thanks for sharing the slowboring blog post. I didn't know that stat came from payday loan companies, which definitely makes it suspect. Encouraging to hear that 55% of Americans have enough cash on hand for 3 months of expenses, and most of them have less liquid resources they could draw on if they needed more.

However, saying that the median American household has ~$200k net worth doesn't necessarily mean that they're doing great. A lot of the burden of funding retirement falls on the individual in the US, meaning if you're 60 and only have $200k of net worth in a M/HCOL city you're still potentially kind of fucked.