If one has a problem replacing an AC and they own a home, they're just bad with money. I live in Arizona. I understand, it's called an emergency fund. Most peo

If one has a problem replacing an AC and they own a home, they're just bad with money. I live in Arizona. I understand, it's called an emergency fund. Most people do not want to move frequently. I think you'll also find most people do not want to be childfree. Homeowners are not at the mercy of the market. People paying down a mortgage are not true homeowners. They are paying off a mortgage. "Modern world" or not, "serfs" still exist, and they certainly exist in the perception of others looking outward onto other people's lifestyles. You can absolutely say the same thing about people who own luxury condos. They're being luxury charged for something they don't own. You don't own land? You don't own a house? What about a car? You lease that, too? Lifestyle choices stop being lifestyle choices when you can't afford the alternatives.