We think it is too much. It costs too much to tithe. That is the bottom line. To give a worthy offering to the Lord costs us something. If your offering, if your pledge, does not cost you anything, then it is not a worthy offering fit for the King.
Some people spend more each week on dining out than their offering.
Some people spend more on entertainment than on God. They spend more on travel than God. They feel like they can afford to spend hundreds of dollars a month on car payments or house payments or credit card payments. They can buy clothing. They can take trips around the country or the world.