Hongkonger here. Lot of people can spend USD$3500 for a watch, gadget, or computer, AND still live in 200-300sqft apartments in HK. Doesn't make them "wealthy".
I don't know any world where spending that much in gadgets isn't for the wealthy. Yes, there are richer people out there. That is still a lot of money.
It's really not. Growing up, I had plenty of classmates who spent more than that on superficial car modifications while working a minimum wage job and whose family was on food stamps.
In one shot? That feels wrong. And is a poverty trap. :(
Lots of people on modest incomes buy gadgets on credit.
Having a 3k+ credit limit isn't that common, is it? And I don't know any consideration of the topic that doesn't treat credit cards as a problem/bad idea. Especially at that level.