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Any number of things could go wrong that might wipe out your savings account and put you in the hole. Its pretty scary, for instance, if you get laid off from your job and you need to hit the streets to find more work. Even if you get hired back or if you find a new job, it could mean a period of time without money coming in. How can you survive without a salary.
You still have rent to pay, kids to feed and bills to pay. In other situations, total emergencies might come up and slap you in the face. Totally unexpected expenses so of course youre not prepared for them.
These could be something as simple as replacing an appliance in your home, but how can you do that without money in your pocket.