This does seem very likely to vary by person. I'm very much saying this from the perspective of "for my own sake, I hope this doesn't become the standard", rather than "this will never happen because everyone's brain is like my brain". I've made my share of blatantly wrong predictions based on the latter :)

If the level of a bill surprises you, you are financially irresponsible. That just doesn't gel with an adult beyond a certain age (barring some outliers), which is probably what you are seeing above.