Don't feel too bad. As far as I know, only Google and Apple lets you get away with this kind of slacking. Facebook, Amazon, and Netflix certainly don't.
Also, SWE out of college definitely aren't making enough to buy much more than a condo.
That being said, you're still right. I go to a lot of international software conferences, and I when I talk to devs about their work, they are just as smart, passionate, and hard working as the people I've talked to here in the states, but they are getting paid a lot less.
I read a salary report in South Africa and they asked me what I thought, and my first thought was, "You guys need to get paid a lot more".
I hope that with the rise of remote work, this evens out.