@xgranade And anyone paying attention to the waves of RTO bullshit, layoffs, mandatory "AI" usage, dismal job markets, etc, over the past few years really ought to realize by now that more and more of the careers that supported owning-your-home and saving-for-retirement are rapidly becoming much less secure...
Which, of course, feeds right back into your point -- the gap between the "merely" rich and the obscenely wealthy is a vast gulf.