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Re:40% of Americans can't cover a $400 emergency expense by pwg on Tuesday May 22, 2018 @09:39PM (#17130913)
Are you referring to the Boots Theory of Socioeconomic Unfairness:

https://www.goodreads.com/quotes/72745-the-reason-that-the-r...

Re:40% of Americans can't cover a $400 emergency expense by dv_dt on Wednesday May 23, 2018 @11:45AM (#17135066)
That as well as the Welfare Trap

https://en.wikipedia.org/wiki/Welfare_trap