No, my stipulations don't prove OP's point, and it's concerning to me that so many people think they do. Believe it or not, there is a vast underclass of people who live and work in San Francisco who are actually struggling because they make less than half that. They don't work in tech and they can't even think about these problems because of the more pressing ones they're facing.

You're talking about things like buying a house and finding non-familial child care; these are people worried about receiving government assistance for food and finding affordable rent with bad credit and almost intractable debt. They're scraping by because they wish they could "stretch" a salary like $200k to afford any home and make day care work. Most Americans do not pay for child care, and wouldn't expect to.

I'm going to double down and reiterate here: just because you can't do all the things you want to do doesn't mean you're scraping by. That's a disingenuous definition of the term. If you consider $200k to be "scraping by", what do you call the people who will actually be looking after your kids in day care? How much do you suppose they earn per year?