In a survey the Federal Reserve Board discovered that 47 percent of Americans would not be able to pay a $400 emergency bill. Either they’d have to sell something or borrow from a family member. This comes as no surprise to writer Neal Gabler, who knows what it’s like to juggle creditors, be down to his last $5, go to the mailbox and get more bills but no checks to pay for them, and borrow money from his adult daughters when he and his wife run out of heating fuel. It’s more embarrassing to admit “financial impotence” than sexual impotence, he says. Gabler decided to speak up about his shameful experience when he realized it is happening to millions of other Americans, and not just poor ones (Atlantic, May).