I agree, money is a big comfort zone. I used to have a much higher one, but such is life. In the end life is change, and we have to adapt to it and create a comfort zone where we can exist within our means. And you really shouldn't judge anyone wherever that happens to fall!
Exactly, we cannot judge, anyone who likes their comfort zone can continue staying there or keeping it. Although life takes away a lot from people by default, some people are just lucky enough not to experience the cruelty of life.