This is true but its not linear. Even remote jobs are coalescing around a median salary. If you go from SF to Chang Mai, you probably aren't going to take a 8

This is true but its not linear. Even remote jobs are coalescing around a median salary. If you go from SF to Chang Mai, you probably aren't going to take a 85% pay cut, it will probably hit a local minimum for your role/experience/etc.. Your skillset still has a certain value regardless of location. Below a certain line, your savings rate will go back up again.