Do you have any idea how little 4K is in the real world? Wonder why so many people are in trouble when they're out of work for a month?
Consider the $30 for Leopard plus the daily Starbucks + Netflix + Cable + iPhone service + electric + water/sewage + mortgage + property taxes + home insurance + car payment + car insurance + gasoline + groceries, etc. etc. If you've got 4K in the bank and you think you're sitting pretty you're sadly mistaken. Nevermind if you have kids, get sick, need a new roof, etc. $30 here and $30 there, over the course of a year, can do more damage than some large purchases.
How does a person decrease his chances of being in the soup line in a month if he loses his job? If you have no income, you have to spend less.
And anyway, the victim in this case is the one who brought up his mortgage. His mortgage has absolutely nothing to do with some technical glitch at Paypal/Apple/etc. He opened the door for personal scrutiny.
Actually - do you have any idea how insane this comment sounds when coming from a citizen of country that is going to be bankrupt NEXT WEEK.
Yeah - thought so...
Anyway - I also have to pay all the stuff you mentioned and by the way have to run a business. I myself have NOTHING in the bank. That doesn't stop me from occasional 30 bucks purchases (being cigarettes, BluRays, XBox games, books). And I'm perfectly happy about it.