Life would be easier if we had a health bar saying how close we were to a mental breakdown
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Omg, you made a terrible idea terrifying. I think you nailed it in the head only they would keep at least 25% to 50% at the red limit just to incentivise the yellow bars.

If we want to talk about the current scales the greens would be holding us to a 60% red line rate. I'm not current but I'm guessing the average American living paycheck to paycheck is around 60% now.

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