What you're saying is however not in disagreement with the comment you are replying to!
Living paycheck to paycheck can happen even if you're making 400-500k. I've seen people do it.
You can have no emergency savings (at all) and be making $100k+.
It's pretty easy - spend everything you have (often on "dumb" things like expensive takeout for every meal, a lease on a car you don't need, more house than you can afford, refreshing electronics constantly for no reason, etc.).
The reasons usually boil down to lack of emotional regulation and/or bad spending habits, not lack of income - though it is easier to do with low income, as the margins are smaller.
Yet, 4 out of 5 Americans live paycheck to paycheck, and 3 in 10 have no emergency savings at all.
The numbers will vary based upon what study/report you read, but the message is clear that the majority of people are not making financially sound decisions.