Final answer:
To identify the income that separates the bottom 5%, one would use z-scores in a normal distribution. The student's question contains unrelated details, but in general, the standard deviation can exceed the average in skewed distributions.
Step-by-step explanation:
The student asks about determining the income level that separates the bottom 5% given an average income and standard deviation. To solve this, we would typically use the concepts of normal distribution and z-scores in statistics. However, the student's question seems mixed with other unrelated details that could lead to confusion. Having a standard deviation larger than the average is possible in some distributions, particularly those that are highly skewed or have large outliers.
As for the sample problem about income distributions among a group of people, one would calculate the total income, divide the group into quintiles, and compute the percentage of total income for each quintile. Comparing this to a larger scale, like the U.S. income distribution, would involve looking at data for the respective quintiles and making a relative comparison.