Let me put it to you this way, someone with three years or less swinging gear from the right seat in the mighty CRJ200 for one of the "express" regionals who:
a) lives in one of the major metro areas (especially in and around NYC where living costs are 25% - 30% higher than anywhere else);
b) has two children;
c) qualifies for Food Stamps.
For those of you on the other side of the lake, that's a US government program that helps families living below the statistical poverty line put food on the table. I know more than one who has done it.