The work of Rutherford, Wright and others has caused practitioners to reconsider a key aspect of the micro-credit worldview: that poor people escape poverty by borrowing, building micro-enterprises and increasing their pay. A safe, adaptable place to save money and pull back it when required is also essential for overseeing household and family risk. The new worldview places more consideration on the efforts of poor people to lessen their numerous vulnerabilities by keeping more of what they acquire and developing their assets. While they require loans, they may discover it as useful to borrow for consumption as for micro-enterprise.