In my profession, many clients of mine are homeowners and “professional, working poor,” unable to afford a small increase in expenses.
My insight is real. Your sarcasm, not so much.
You are assuming what you see in your life applies to the whole economy. It doesn't.
Fallacy of composition
The fallacy of composition arises when one infers that something is true of the whole from the fact that it is true of some part of the whole (or even of every proper part). For example: "This wheel is made of rubber, therefore the vehicle to which it is a part is also made of rubber." This is clearly fallacious, because vehicles are often made with a variety of parts, many of which may not be made of rubber.