I think this is a good point. In the upper end, people don't need to work anymore. On the lower end, people don't see a reason to try anymore. I'm in the top

I think this is a good point. In the upper end, people don't need to work anymore. On the lower end, people don't see a reason to try anymore. I'm in the top 30% percent bracket of income (despite being at the beginning of my career). I save more than 30% of my income. This year, the house prices increased so fast, that the downpayment roses by more than I could save in a year. I can see people who are in the lower 30% bracket just giving up facing these numbers. What's the point? They could try all they want and work as hard they can and still not be able to make it. Might just as well do the minimum to scrape by and try to get ahold of some VR googles.