In this article we study the Arnold conjecture in settings where objects under consideration are no longer smooth but only continuous. The example of a Hamiltonian homeomorphism, on any closed sym-plectic manifold of dimension greater than 2, having only one fixed point shows that the conjecture does not admit a direct generalization to continuous settings. However, it appears that the following Arnold-type principle continues to hold in C 0 settings: Suppose that X is a non-smooth object for which one can define spectral invariants. If the number of spectral invariants associated to X is smaller than the number predicted by the (homological) Arnold conjecture, then the set of fixed/intersection points of X is homologically non-trivial, hen...