where's the bottom?

1)
let's focus on phoenix, as a sample
2)
2 million people
3)
let's say each has savings of $10,000
4)
that's $20,000,000,000, $20 billion
available for ongoing spending
even if all jobs are lost
5)
1,500,000 people with jobs?
6)
earning $30,000 a year each? no
earning $10,000 a year each?
7)
that's $15 billion a year in additional available funds for spending
8)
wow!