Maybe not. Some are leveraged to the max and survive using credit and massive debt they normally can’t sustain. Keeping up with the Jones’.The people paying huge markups are almost all high income/low net worth folks.
My wife and I always lived below our means comfortably on no more than middle class income. Been retired since 2014 and simply continued what we always did without skipping a beat with only a tiny affordable mortgage for debt.
different strokes for different folks…