Historically, working- and middle-class people have spent all and almost all of their money respectively on 'just living'. House prices are really high now, but

Historically, working- and middle-class people have spent all and almost all of their money respectively on 'just living'. House prices are really high now, but other things have dropped. Whatever the combination of prices, 'just living' will always consume all of the income of the poor... unless something truly unusual happens.