To maybe add some framing, 37% of Americans don’t have enough cash to cover a $400 unexpected expense. Obviously $400 > $65 but I think it puts some perspective on how tight cash flow is for a good chunk of the population.
https://www.federalreserve.gov/consumerscommunities/sheddata...
> enough cash to cover
You don't need to buy the membership with cash. Credit card, pay off $3-5 a week with your food savings, you'll barely pay any interest.
Also not having $400 would have to be the number after buying food with your paycheck, right? If you get the membership as part of your first food purchase, including that nice bag of rice, you'll be okay.
and what iphone model do these americans have?
I would be very very surprised if there were not adjustments that could be made that would significantly uplift these peoples situation