Thoughts:<p>* Standards of living are variable, and especially so between different social classes.<p>* Debt requires someone to earn more money than they would otherwise need to in order to meet the same standard of living as someone without debt.<p>* The variety of higher margin products and lower margin counterparts create inefficiency in making consistent spending choices, particularly when it comes to visibility (e.g. marketing).<p>* Healthcare costs can be extremely variable from person to person.<p>* A big question is what it takes for a person to feel contentment. E.g. I have multiple family members living hundreds to thousands of miles away from me, from each other even, that I never get to see, and I would be a much happier person today if I was able to spend more time with them. Other factors can include obtaining a sense of achievement in what you do with your time, or a sense of approval from your peers.<p>* People have a much smaller pool of peers to identify with if they don&#x27;t go to a regular workplace or gathering of some kind.<p>* There are regional differences in supply and demand, especially for property, housing, water, and egress. I&#x27;d include food, too, if I didn&#x27;t think you were targeting the US.<p>I can probably come up with more, but I&#x27;ll just leave it at that for now.