I mean if your doing that then when do you get time to spend the 3k ?...

That's only so they can pay their bills and be able to afford the transport and parking changes getting to work

You don't think they get to spend it on themselves do you. Work is about earning money to pay other companies and government. If you have a few pennies leftover to spend on yourself afterwards then that's a bonus. You might even be able to afford those free range eggs instead of the mass produced factory produced robot eggs if your really lucky.
All these companies have to do is keep people hanging on by a thread. Max work and max profits and pay as little out as they can get away with. It's terrible because the majority are only earning min wage because that is the legal min requirement or maybe a little teaser of few pence more, and they shove extra hours onto the work day so 9 or 10 hour days are the norm now. No more 9-5 with an hour lunch. Lots of folk even have to work weekends so don't bother with Church on Sunday. No longer do people get an 1 hour lunch. 30mins unpaid lunch is the norm now. People are now treated like those factory hens and we are no longer free range. And if you really really lucky you have a job and it hasn't been taken over by modern tech automation and robotics outside of the human spectrum. The reality is that most folk are better off working under 16h a week and making up the difference with benefits. Gov love this as it means you can have two people doing the same job 1 does 1 half and the other does the other half of week and that's two people employed then getting unemployment figures down.