A savings account is often used for people to store money away for future use and not having any money saved up in the account can make someone feel bad because they can't even put away some money for a future emergency
Consider the statement "I'm ashamed that I don't have enough money in my savings account". Based on this "I feel terrible that I can't even save up some money for a rainy day" a true statement? Yes, no, or I don't know?