Sadly I totally agree: Open Source is the playground of people who can afford it.
I benefited a lot of Open Source in my career, life so I am very thankful for all contributors (and try to give back in money/time, when I can afford one or the other).
What really annoys me, that my government does not mandate that software build with tax money must be Open Source.
That would go a long way to fund Open Source and improve the quality.