Handing over salary to spouse. This is the household financial model of the bottom tier of wage earners in society—such as food delivery workers, construction site workers, and factory workers.
The purpose is to hedge against irrational spending caused by scarcity in bottom-tier living conditions, as well as asset loss due to unexpected events like sudden death.
Their cash flow is extremely fragile, making it necessary to use this coercive mechanism to prevent bankruptcy.
The fact that they choose the form of handing over salary to their spouse indicates that this group of working poor lacks extreme sense of security in society. Without adequate legal protection and reasonable financial custodian schemes to protect them, they resort to using their spouse as a financial trustee.
Handing over salary to spouse. This is the household financial model of the bottom tier of wage earners in society—such as food delivery workers, construction site workers, and factory workers.
The purpose is to hedge against irrational spending caused by scarcity in bottom-tier living conditions, as well as asset loss due to unexpected events like sudden death.
Their cash flow is extremely fragile, making it necessary to use this coercive mechanism to prevent bankruptcy.
The fact that they choose the form of handing over salary to their spouse indicates that this group of working poor lacks extreme sense of security in society. Without adequate legal protection and reasonable financial custodian schemes to protect them, they resort to using their spouse as a financial trustee.