I think it's helpful to consider that just because you are upper class does not necessarily imply that you are rich.
I know plenty of people with upper class hobbies. I couldn't say for sure if they are rich, but they certainly don't live a lifestyle that I was ever familiar with growing up.
Even taking a year off to de-stress... Someone without financial means couldn't make those choices.
And I've known bipolar people too. They worked when they could, and went on disability when they couldn't. They were never rich. Even when they worked, they were always struggling.
I'd never met anyone taking about buying a house in the Spanish hills until becoming a techie.