So i'm probably missing something here, but this little program eventually gets you $1,000 if you jump through all these silly little hoops? CBT's, phone counseling session, etc. Or is it some way to try to rope you into doing long term business with Fidelity? I guess I shouldn't be turning my nose up at $1,000, but when I think of "emergency savings", it's sure a hell of a lot more than $1,000.