I'm sorry... Dave's envelope method beats the above in about 99.9% of the cases. The other 1 in a thousand luck out.
Do you have any studies or other independent data to back up that figure?
I realize that DR's get out of debt plan works. I just don't think it's the only way. Is a budget a good thing for most people to have, especially when they have a history of not handling money well? Yes. Do I think DR's budget methodology is the only way? No. Neither do I think the rest of his steps are appropriate for everyone. I understand the psychological effect paying off a few small accounts can have, but I'm one of those number based people who prefer to pay highest interest first. I'd also go nuts if I only had $1000 in an emergency fund. Of course, I also don't see my debt as an emergency and am not prepared to live on beans and rice just to pay off my student loans (which I do not regret at all, I thought long and hard before taking them out and am glad I did). Of course, that's mostly because I don't like beans...
I think people do far better when they actually give some serious thought to their situation, how they got into it, and figure out how to get out. Using a plan like DR's and others can give them a starting point if they're feeling lost but unless that plan conforms to their values and meshes with their priorities they probably won't stick with that plan very long. However, if they're committed to their goals and are willing to work at it - both mentally and financially - they can figure out what worked, what didn't, what they think will work and create a plan for themselves that could last for their lifetime.