Lot's of what we (most other first world countries) take for granted is not present in the US.
Health care insurance for example can eat a good chunk of that 3.6kUSD: the average cost of individual health insurance premiums is $440 for an individual and &1,168 for a family, in 2018 according to eHealth [1]
1: https://www.ehealthinsurance.com/resources/individual-and-fa...