Its because of the competition. For instance, if you do that, you have half the pay and if you want to buy a house (limited supply in Silicon Valley) then peopl

Its because of the competition. For instance, if you do that, you have half the pay and if you want to buy a house (limited supply in Silicon Valley) then people with a full income will outcompete you for the same house. That's also what is driving up the housing prices.