I don't think that's the point. The point is that the required income in SV is an order of magnitude larger than what is required in most of the country to do those same things.
You know where you don't need millions to do all of that? Literally most of the country.
If someone was complaining to me about being unable to live in, say, Beverly Hills, I'd say the same thing: there's nothing stopping you from moving to any other state and living quite comfortably - in fact, probably having a much _better_ standard of living.
That is such a key, and overlooked, point. People are so busy imagining themselves in the shoes of one of the luxuriating few that they forget about the entire human ecosystem required to make a city function.