Yeah, 40K seems high to me too... I think, instead of an average (which takes into account that small percent who make millions per year, thus skewing the averages), it might be better to find some stats of how many people make (pre-tax) 0-10K, 11K-20K, 21K-30K, 31K-40K, etc. I would guess - and this is just a guess, mind you - that the majority of families in the US are in the 21K-30K range... which definitely makes $200 a stretch to the budget, what with all the other bills there are to pay each month, while also trying to put some into savings.
Collecting has never been a cheap hobby, no matter what it is your collecting!