Oh, yes, definitely; I said "plenty of people" to try to intentionally indicate that I know it's not all of them. Regardless, out of all the forums you could wander into on the internet, this is probably one of the ones with the most rich people reading it.
Ah I misinterpreted. Indeed. I think we can safely assume vast majority of users of this forum don't fall into the 'poor trap' category but rather what you described if in fact they are living paycheck to paycheck.
I rephrased (1b) a bit to make that more clear.