I understand your comment and your original post, and while I somewhat agree, I think you're missing the point.

You say that the super rich have something most of us don't, stability. I agree with that. The super rich often want the rest of us to lack stability, it's good for employers to have desperate workers. However, at 300k, while you do not have absolute stability like the super rich, you have something that comes very close... the ability to plan ahead.

At 300k, you can save, buy top notch insurance and whether the storms that MANY people in the US cannot. Sure, there could be financial blows that are just too large to shrug off... but those blow that you can withstand, and those of a 30k'er, are two different beasts.