Honestly, and I am now writing from the world's most expensive city to live in next to Hong Kong, I figure something isn't quite right about this.
My gut feeling is that this figure doesn't take into account how much of the 46 percenters' monthly income goes to recreational expenses. Not hard, to rack up a monthly bill at Starbucks of 200 dollars, is it?
If that many people were this close to "insolvency", I think I would feel that here in Vancouver. You're talking about a 'survival' edge (with no recreational buffer) that works out to less than 7 dollars a day on average, or one half-hour's wage from total economic collapse.
Were this what's really going on, I would think our food banks would be over-stressed. They aren't. I know. I volunteer at them (less often than I should).
In any event, I don't see this sort of stress going away.