Well I am pretty sure we have never had $25K to put in the bank at anyone time as a lump sum we generally keep that much in the bank. We drive old cars, we have a house with a twenty year old roof, furnace, and water heater, and we have a pretty high deductible on our health insurance. I just think it's prudent.
The interest rate in on deposites from $0 to $25,000. While I agree with the rich get rich aspect of you shared with lots of things, I do think this account is not an example of this the perks exist if you follow the other requirements for account. It does not have any fees or minimium balances you just don't get your interest.
While I am going to refrain from negative judgement about why people don't have emergency funds. I would say that everyone should have one and that I think lots of people live far more paycheck to paycheck than really need to.
Eh, I think you're absolutely correct. I'll be the first one to say I'm shyte at keeping things in order. At this point I should have money in the bank. However I donate a lot. And if for some reason I need money and do not have the funds. I'll sell DH's kidneys. He'll be cool with that.