I fixed my comment to clarify that this is a combined income of 400k, not single income. People with single incomes of 400+ are still in escape trajectory for being able to retire, go on expensive vacations, etc...

The key point I was trying to make is that people get used to scraping by and start thinking of retirement funds as a luxury and assume that your income growing means you'll keep spending 100% of your income on disposables. By making this argument you are basically saying "don't save for an emergency, just pay more rent lol. you don't get to be upset because you can afford it if you aren't saving." You are getting distracted in the details and playing into class warfare among the bottom tiers.

The focus should be on why someone at such a ridiculously high income is still being forced to make that choice. Its lack of construction, it's foreign property investing, it's no caps on ownership, its a lack of land tax