You are not taking home 30k a month.

If you are, you won't even have a feel for 4 figures sum getting burnt

Only logical reason to rant is that you are getting 30k for first few times hence doesn't have a proper 6 figure bank account

And if you are heavily invested in the market, you will be going up and down few k at any given time.

From your rant, it shows that you have a poor man's mentality. Valuing money over time and effort. If you are truly taking home 30k every month, you wouldn't think more than twice to throw 4 figures at a problem or headache.