Huh? I think you may have misread my post. I was simply stating that my personal experience may have influenced my guesstimates of what people in different income brackets might buy. I was not, by any means, stating what they should buy.
It's perfectly OK to opine on what people should buy. That's an open-ended academic exercise.
However, when you bring the government and tax law into the question of what people should buy, it becomes an execrable exercise in fascism.