Even putting up 1000 cash money not to be touched…

is hard for some, especially when you’ve been used to charging things. To have that type of liquid money is the point of the BEF. Even now, some people keep the BEF in their checking account as a floor… but for most, no matter whether they are a single person or a family of 10, getting their hands on 1000 cash quickly is a challenge to overcome. If you can get that 1K quickly, then maybe it would make sense to double it and leave it untouched.