So, my wife is not average then she had hardly 100 baht, working at a university does not make much money. I paid 20.000 baht and got most of it back. Now she makes about 40.000 AUD per month. On top of my pension.
Health insurance I could not afford (or get)
Food just a bit less
No rent (have my own place)
Don't entertain!
Drinks (only at home)
No need for transport
I don't know about raw fish never had any and don't like Japanese food either but I don't mind a good tartar. If done right, it is not dangerous. Quoting Master Chef last night, a Kangaroo tartar scored 10 out of ten last night.