You're right, I think I was misreading you. Indeed (as you edited), the national inflation figure can 'capture' it in the statistic sense, but cannot capture i

You're right, I think I was misreading you. Indeed (as you edited), the national inflation figure can 'capture' it in the statistic sense, but cannot capture it in the sense that the number expresses individual paint points that different subsections of the population experiences, like rent in a HCOL urban area, or the inability for wages to catch up with an ever increasing downpayment requirement.