> the remaining 56 percent make more than $45,000 per year
So the median is more than $45k. I would say the difference between $31k and $45k is pretty significant, at least depending on where you live. In San Francisco that would likely not be enough for someone to live comfortably alone.
Evolution implies a relatively smooth path through "DNA space" from, say for example, an early single cell eukaryote to a mushroom. However the search space is enormous. Even if we account for billions of years of evolution and a trillions of evolutionary experiments each year, a simple random walk with selection through DNA space should go nowhere because of the numbers involved. The curse of dimensionality[0] means there has to be some other principle of nature to make the search space yield a path from one viable life form to another. The search space of life would have to be 'smooth' in some sense. That 'smoothness' is something we don't understand.
If DNA space is just 256 bits (as a dramatic simplification), then 2^256 is a very very big space to search just by chance [1]. Now imagine a space orders of magnitude bigger.
[0] https://en.wikipedia.org/wiki/Curse_of_dimensionality
[1] https://youtu.be/S9JGmA5_unY?t=22 (3Blue1Browns wonderful illustration of how large 2^256 is)
Comparing a mule with it’s parents shows how much novelty can be produced in a single generation (in this case an evolutionary dead-end of course)