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It doesn't matter just how much a family earns, they still will likely be confronted with financial emergencies every once in awhile, and is particularly pretty much impossible to foresee a number of the events that families need to handle.
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However, it is a great relief and it provides a great feeling of reassurance to know you have ready cash available in case it is actually required for just these types of situations. In a way, it is merely like having cash in the financial institution to understand when you really want it, the money are usually in both hands in one day roughly, and you can use it and repaid over and over again and again.
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