not at all, they are the same people. Those people in those homes dont have $1,000 for an emergency, which was exactly the point.
They may make $100,000 a year, but they spend $120,000 a year, so instead of getting richer, they get poorer and poorer until eventually “something happens” someone gets sick, or a divorce or whatever, and then it all comes crumbling down.
See post 12, you are going too far out on a weird limb.
By the way, when you were talking about “those who live McMansions and drive fancy cars” I sure didn’t think you meant people making $100,000.