Do you want us to stay alive by only consuming oxygen for spending only 5% of our income? 

I mean, something like that is only possible if a person earns way more than what they need for their expenses because you can't spend 5% or even 50% of your income if you are earning an average income when inflation is so high. You can only do that if you are earning, let's say, $5,000 a month and only need $200 a month for all your expenses, which doesn't sound possible to me unless you are living in a third-world country while having a very high-paying job which is a combination that you will rarely find.

To be honest, both financial stability and financial success are things not achievable for every person, so if someone is earning enough to take good care of their household and provide good food and everything for the family, he is good. Emergencies can come and go, it's difficult to manage but you have to do it somehow.