I'm the first Community Editor for The Sacramento Press, but my full time work is in the social services. I have the sometimes heartbreaking opportunity to learn the intimate details of people's lives- particularly their financial lives. Did you know there are people living in Sacramento who are not at all equipped to weather any hardship? For example, I routinely help people who have an income of $800 a month, and their rent is $500. And they just had a joint replaced at 73 years old. Or they need an anti-biotic that is not covered by Medi-Cal. So they can't pay SMUD this month. And then next month SMUD's $40 instead of $20, and with last month's problems and getting behind....and you cou