I don't know where you're getting your statistics from. Average salary of all physicians in
2013 was $259,000 for males, and $199,000 for females ($189,000/$161,000 for primary care).
I'm not talking about Caribbean schools. Not all US IMG's come from Caribbean schools.
Assuming we match, we're all going to have the same ****ty $50k/year income for 3 years before the significant bump in income. Anyone who is deciding to go to university/medical school in the US today faces the decision of being dragged into a massive amount of debt. I can't even imagine being a part of the 5% who didn't match and now has the equivalent of a house mortgage to pay with no income. My debt is nowhere near that much and
I can easily choose another medically related profession if I can't successfully find a residency and still pay off my debt without a problem.
Remember, the laws were written so that even if you bankrupt, the debt stays with you. These debts are the equivalent of financial suicide if you don't match.
It all comes down to what you're willing to risk. If you want a practically guaranteed shot at getting a job, but you have to spend the equivalent of a large house to do it before you can, by all means. People who can't afford to live with that kind of debt have the option of choosing being an IMG, where you have to work harder to be in the top 50%, but you will be better off financially if you do.
One last thing. When you began your
undergraduate career and
medical school the tuition was less than it is now, so people deciding today have a much more difficult decision than you did.