Some may indeed not have a real choice for whatever reason but to live in a very high cost-of-living area. However, many do have choice but choose to live in core urban areas of a handful of mostly coastal cities. This is a somewhat new thing in SF and has certainly intensified in recent years. However, the new grad who lived in squalor in Manhattan because they couldn&#x27;t imagine living in Queens or (heaven forbid) New Jersey goes back decades.<p>And many, many people don&#x27;t live in those most expensive cities. There probably is an increasing concentration in some industries. But there&#x27;s often a choice nonetheless.