A new college hire, who already has other debt obligations (student loans)? I guess that's unlikely since Google doesn't hire people in that group... oh wait...
Someone who just made another large purchase, like a house and had an unexpected medical injury?
These aren't hard scenarios to construct. Google employees making more money than the average person doesn't shield them from large unexpected/costly life events. But also, you're assuming a Software Engineering Salary, and not a different salary that's more likely to be lower (Sales, Marketing, etc.)
