Isn't that the same thing as what OP said? Why shouldn't "living in SV" be considered a "luxury?"

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.