I'm fairly simple. I grew up 15 miles from a town of 3k in Arkansas. I came to the bay area in 2000 with $350 in my pocket.

The parts of those places you listed that I can (could) afford, I wouldn't live due to various problems like crime, neglect, etc. They aren't really a good choice for normal, simple people like me.

I think most people aren't there by choice, but by necessity. I'd much rather have the people watching my kids in a spot by choice than necessity. You may ask why that would matter, but given a little thought it'll matter you as well.