True but it's not all about money. It would worry me a lot if I would have recurring costs that high. Especially if it was directly tied to employment (e.g. getting healthcare through the employer).

It makes it much harder to change jobs in case of difficulty and a much bigger blow to getting fired.

That’s still not really true. Your healthcare is approximately free when employed and you pay ~1k/mo when unemployed. But your saving rate is much much larger so that expense isn’t actually high. I think the bigger issue is housing prices (if you live in US hcol) as even modest apartments can be 3k+.

I’m the US if you’re unfortunate enough to be so ill that you cannot work you’re much worse off.