$3.6k isnt that much, my car repayment is $650 a month which is fk all as i tipped in up front to bring it down where i wanted it to be, but i'd say that's a similar payment to most families with a falcadore or ss etc, and then add in all your bills and what not i wouldnt call 3.6k a lot but hey its all relative to what your used to and lifestyle you desire. Anyway i'm thankfully not at that level so its largely irrelevant just sayin i wouldnt call it comfortable.
true that hamish we see a bit of it, not a lot but a bit and its almost always self inflicted.