And who can afford to have $15,000 taken off the top
  of their salary between $51,000 and $100,000?

Anyone who's BATNA is making $46,000 or less, i.e. the median working 25+ year old with an associate's degree or lower in the United States [1]?

[1] https://en.wikipedia.org/wiki/Personal_income_in_the_United_...