Yeah, you would think. I'll grant that the example involves a $39,000 income.
BTW, when I write that incurring debt that is impossible to pay is a very, very bad thing you seem to be reading that incurring debt is a very, very bad thing. I don't mean that.
How many people, aside from family members and loan sharks, make loans that they know cannot be repaid?
But once again, it’s all about responsible borrowing, on the part of both the debtor and lender. On that we agree.