The takeaway is that YC companies need to offer more equity, if they hope to attract people like the OP. At the end of the day, most YC companies don't have money to fund the salary and benefits packages the OP wants. This is expected for startups, the idea is that you get paid in equity instead of cash/benefits. Given more equity, the OP could sacrifice some savings to pay for the benefits he wants (clipper card, health insurance for his daughter, health club membership, etc.), with the idea that the expected value of his stock would pay for these benefits in the long run.

It seems pretty clear that he feels YC companies are not offering enough equity to make this tradeoff worthwhile. Thus, the only practical solution for YC companies to attract talent like the author is to provide more equity.