They already have an iPhone. They could save up or borrow for a Mac Mini if they had to. Some of those people I know who live on $200/month have $30k in the bank.
Not really. There are lots of people who have low income and low spending, but not low savings. Retired pensioners with savings. Young families who inherited from deceased parents/grandparents. Highly paid professionals on sabbatical. I've met people from all of those categories in Ukraine who live on $200/month.
