In general, a person should save a little money in case something bad happens. But the MBTA, which General Manager Dan Grabauskas says is broke, has had to deplete its reserves significantly. The Globe reports today that the T's new budget will take $20 million from the emergency fund, bringing the reserves down to $35 million. The reserves are supposed to be $100 million. Now that emergency funds are no longer technically "emergency," the T......