I know a number of young families that couldn’t come up with an extra $2k. It would be really hard if not impossible for them to get another job or sell much that is worth 2k.
My son is in that situation. They rent, have 1 used car they are making payments on, both work, 1 child. Furniture is used, only the used washer/dryer is slightly newer. Live in an area where jobs are hard to come by. He works 60-70 hrs a week..salaried with a truck provided by the company. She works as a nurses’ aide, not the highest paying job in the world. They don’t own any thing new enough to be worth much, certainly not anything that could be sold to get $2K. Had to take medical leaves for 2 surgeries in the past 6 months.