I went to my bank one hour ago and was just reminded of that reality. While I was waiting for my turn, I couldn't help but hear the man before me. He thought his card was broken, but the bank worker told him there were only 9 € on his main account. So he transferred 50 € from his savings account. Overall, he had 189 € at his bank. He was in a hurry, he had to buy a toy for his daughter.