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Is it really? At $50k/year, planning to save for things most people have to deal with is hard. You have to actively plan for it, and still might not be able to. At $500k/year, it's easy. At a million or a billion, it's still easy. Yeah there are large differences, but not in terms of day to day life relative to a normal person.

Yes, exactly. If we're going to talk proportions, then both "sides" need surfacing. If you're on lower income, otherwise "minor" fines, fees, surcharges etc can become life threatening or at least highly disruptive. The cost of failure is so high that it becomes very difficult to take the sort of risks that are sometimes needed to get ahead.

> Yeah but

Most professionals have a financial safety net the working class do not. That is a huge psychological difference.

One just adds one zero, the other adds three. The proportion is correct.