You have the same income image for both links.
The median cost for a one bedroom apartment in the US is NOT $5,000 a month. First result on my search has $3190 for New York, but most of the listed cities are around $1,500 a month which is $18,000 a year.
Micropayments would scale at a ridiculous rate like microtransactions in games have, so your $20 example would be at least $200 in reality by now.