Overview

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America Competes Act may impact crypto payment regulation. Currently, the landscape of crypto payments is based largely on guidance from different government A new survey from CareerBuilder reveals that 78% of Americans live paycheck to paycheck at least some of the time. How Many Americans Are Living Paycheck to Paycheck? A 2025 survey conducted by Payroll.org highlighted that 78% of Americans live paycheck to paycheck, a 6% Living paycheck to paycheck makes people vulnerable to accumulating high-interest credit card debt. Almost half, 46%, of Americans said they held a balance on their About 61% of Americans are living paycheck to paycheck, an issue that impacts both low-wage and high-income families alike, according to new research from If I was living paycheck to paycheck, that means I am spending every bit of fiat to survive and on bills, so no, it should not be in crypto. Perhaps I would take it in stable coin directed funded to A study in November 2025 showed that 63% of Americans are living paycheck to paycheck. While expectedly this figure largely includes lower-income households

63% of Americans Live Paycheck to Paycheck: Is Crypto Affected?

A recent study in November 2025 revealed a concerning statistic: 63% of Americans are living paycheck to paycheck. This means a significant portion of the population is struggling to make ends meet, leaving them vulnerable to financial shocks and making it difficult to save for the future. This issue doesn\'t just affect lower-income households; it impacts both low-wage and high-income families alike, according to new research from various sources.

While some reports cite figures as high as 78% of Americans living paycheck to paycheck (as shown in a CareerBuilder survey and a 2025 survey conducted by Payroll.org, which showed a 6% increase to 78%), the core issue remains: a large percentage of the American population faces financial insecurity.

How Does Living Paycheck to Paycheck Affect Crypto Adoption?

The question arises: how does this widespread financial vulnerability affect the cryptocurrency market? For individuals living paycheck to paycheck, investing in volatile assets like crypto presents a considerable risk. As one perspective notes, "If I was living paycheck to paycheck, that means I am spending every bit of fiat to survive and on bills, so no, it should not be in crypto. Perhaps I would take it in stable coin directed funded to…" The risk of losing funds needed for immediate expenses likely deters many from participating.

Living paycheck to paycheck also makes people vulnerable to accumulating high-interest credit card debt. Almost half, 46%, of Americans said they held a balance on their credit cards, further limiting their ability to invest in assets like cryptocurrency.

Potential Future Impact: Crypto Payment Regulation and the America Competes Act

The future of crypto payments and their potential role in helping (or hindering) those living paycheck to paycheck is also subject to evolving regulations. The America Competes Act may impact crypto payment regulation. Currently, the landscape of crypto payments is based largely on guidance from different government agencies, leading to uncertainty. Stricter regulations could potentially limit access to crypto for some, while clearer guidelines could foster a more stable environment that encourages responsible adoption.

Conclusion

The high percentage of Americans living paycheck to paycheck presents a challenge for widespread crypto adoption. While crypto offers potential benefits, its volatility and regulatory uncertainty make it a risky proposition for those with limited financial resources. As the regulatory landscape evolves, and as more stable crypto options become available, the potential for crypto to play a role in improving the financial lives of paycheck-to-paycheck Americans may increase, but for now it\'s considered to be very risky.

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