Which action does NOT contribute to increasing Payment Shock Savings (PSS) bank account balances?

The correct choice indicates that borrowing money from friends or family does not contribute to increasing Payment Shock Savings (PSS) bank account balances. The rationale behind this is that borrowing does not result in an influx of cash to your own bank account. Instead, it represents a temporary measure that may provide needed funds without genuinely increasing your savings or financial stability.

In contrast, taking new loans can impact savings by increasing monthly obligations, thereby affecting cash flow. Moving funds between accounts typically does not generate new savings as it is just reallocating existing resources. Stopping retirement savings diverts money away from long-term savings channels, potentially reducing total available funds for future emergencies or payment shocks. Therefore, these actions can either diminish available savings or have no effect on increasing the actual savings balance, unlike borrowing from friends or family, which does not add directly to your PSS balance.