That’s sounds actually quite reasonable. Of course you always have people who fall through the net but that is the same here.
I don’t think we have credit reports here, at least I’ve never heard of it and it sounds like a privacy issue.
But ya so back to the original topic, if it’s only 300 usd then that’s the same here pretty much for an average income. So the income over there is still crazy high for devs.
I should add that where I worked was a startup and it’s uncommon to earn so little, and actually what that company did was illegal and they ran into issues with the law later.
Worst kind of jobs here pay like 15 an hour, and for devs it’s a lot more of course.
In Germany health insurance starts on a certain amount of around 200 euro a month, which you always have to pay, even if unemployed, and then progressively gets more as you earn more. For a normal income 350 would be pretty normal, but your employer pays it in your name. You can also get private insurance if you want something fancier, however the quality is always high any way.
If you’re unemployed or are ill you can get welfare though, and they’ll pay it for you.