- July 2 and 5, 2026 → Kraken survey — Morning Consult fielded the 2,001-adult US poll for Krak on these dates (source methodology note)
Sixty-three percent of Americans told pollsters they are falling behind financially — not because they are broke, but because the system keeping them afloat isn’t helping them move forward Kraken survey. That single figure anchors a new 2,001-adult US survey commissioned by Kraken’s payments brand, Krak.
Behind, even at six figures
The worry does not stop at lower incomes. Sixty-eight percent of adults earning $50,000 or less say they are behind, but so do 49% of those making more than $100,000 Kraken survey. Only 41% of all adults feel financially stable right now, and that number climbs to 73% only among the $100,000-plus group.
Morning Consult ran the poll for Krak between July 2 and 5, 2026 Kraken survey, among 2,001 US adults with a margin of error of plus or minus 2 percentage points.
Satisfied, yet frustrated
People do not hate their banks. Eighty-seven percent are satisfied with their primary checking account, and 79% feel they understand its fees Kraken survey. Underneath that calm sits a quieter grievance: 58% say they are frustrated with traditional banks, and 26% have felt taken advantage of through fees or unclear policies.
Kraken itself has been reworking how it prices access — our breakdown of Kraken Pro’s asset-based fee tiers covers the broader shift Kraken Pro fee tiers.
The trade-off nobody asked for
Ask about the cards in their wallets and a split appears. Forty-seven percent agree credit cards are the only real path to meaningful rewards, yet 42% of credit holders worry about paying off the balance each month Kraken survey.
Debit feels safe but offers little upside. Credit rewards, but only if you borrow.
Kraken noted, “Most Americans are keeping their heads above water and still feel like they’re falling behind.” The survey’s sharpest signal is appetite: 60% would switch to a spending card with real rewards and no borrowing, and 57% want those rewards paid in cash rather than points Kraken survey.
The Krak Card is Kraken’s answer — it pays cashback as actual money, not points, and requires no debt to earn it Krak Card. Whether a debit-style product can loosen credit’s grip on rewards is the open question the survey leaves hanging.
