Regarding your first point, you are right, you can't A/B test your life. In any event I'm reporting my current experience, which is both not better than my previous and expected one.
> According to the stats, we make top 5% income of our area
Well one of those two things isnt true. It's not possible to be 95%ile income and not afford a house.
> A: [some statement]
> B: I don't think that is the case. Could you share an example?
> A: [example]
See where nobody had to disprove anything with data across 100% of the spectrum? That's because nobody made the claim that A is wrong. You however made an absolute claim, so you have to provide the data for it.
* people in the area are not owning their houses, but (the companies owned by) people who live somewhere in Florida do (or the richer part of the same town)
* people bought their houses 40 years ago when it was still possible to do so, but would now be totally priced were they required to buy it now
* same but the rental equivalent for rent controlled apartments (or kind landlords)
* due to the interest rate increases, mortgages for new homes have increased rapidly, like even if the house price is the same as 1.5 years ago, the mortgage is now three times as much for the same down payment and duration.