The low-end millionaires run interference for the billionaires.
Regardless of who's actually at fault, if the low-end millionaires were to publicly and materially side with the remaining middle class, working class, poor, and indigent, their combined influence would be irresistable - which is basically what you said, I'll admit. But my point is that the millionaires are the last holdouts. Everyone else is ready to party.
If every American with a sub-8-figure net worth held back their property payments for 6 months, they could collectively have anything they asked for. Anything.