If you earn over 70k, benefits are always included. A few hundred a month employee contribution, but insurance is a non-issue. These benefits also include 401k of some sort, maybe even matching. If you don't work 1099, you acrue social security benefits.
I submit one can get over $500k of consumer credit based on 75k income and existing good credit. Not a home loan, consumer credit like a Sears card.
Credit is not unlimited, it is 3-5x income max.
And income has to pay for retirement as well, unless you want to work until you die.