Canadian economy

I just read an article from zeroedge, now I can't stop thinking about it....

How it is possible that more than half of Canadian can't afford to spend 200$ more on they income?
If they have such a small wiggle room, how they can afford a sudden expense, like a car repair or even worse a job loss....?

How they can afford to buy a 1 million$ house (this is the average price for Toronto)
What happens when the interest rate rise....
How they think they can handle this situation?