[parenthephobia]

Yes, most companies have tighter margins than the average person.

Somebody earning $100k/yr might have, say, $30k/yr left after taxes and expenses, but most companies don't have 140% profit margins.

Most companies aren't Wells Fargo, though, since they don't have $20bn in cash savings, and don't make $36bn profit on their $86bn revenue: a 40% margin.

The numbers only need a slight alteration if we scale the fines by relative disposable income/profit. The $185m fine is about 0.5% of Wells Fargo profits, so for our hypothetical person with $30k/yr left over, it's more like a $154 fine, but he also has a savings account with $16k in.

I'd say the analogy basically checks out in this case.