(Additionally, QA jobs for game companies are almost never lucrative.)
The core problem is that a median income lifestyle is a relatively unstable state due to unforeseen circumstances like your example. A poor person stays poor (if whatever happens doesn't kill them) which means that poverty is a stable state. A rich person can weather at least a couple disasters, so that makes it a mostly stable state. If you're in the middle, you are in a more unstable position compared to the extremes.
The core problem is that a median income lifestyle is a relatively unstable state due to unforeseen circumstances like your example. A poor person stays poor (if whatever happens doesn't kill them) which means that poverty is a stable state. A rich person can weather at least a couple disasters, so that makes it a mostly stable state. If you're in the middle, you are in a more unstable position compared to the extremes.