Not who you are responding to, but I have a tall sitting height and I suspect that the steering wheel is too low. Consider this diagram of a properly adjusted steering wheel (instrumentation is where the "II" is):

     /----\
    /  II  \
    |------|
    \      /
     \----/

If you are tall what can happen is:

     /-II-\
    /      \
    |------|
    \      /
     \----/

A telescoping steering wheel helps quite a bit because you can adjust your seat back/forth more to get a good angle, but in cars without telescoping steering wheels, I have the second sight-picture at any position in which it is comfortable to hold the steering wheel.

If you are suggesting:

       II
     /----\
    /      \
    |------|
    \      /
     \----/

then this will render the airbags ineffective.

Exactly. This happens to me because I'm tall. If I adjust the wheel to not obscure the cluster, then it's no longer comfortable for my back/shoulders.

My single favorite feature of the 3/Y is that there is no instrument cluster.

Some cars like a prius just center the cluster