Do you own a house in that city? If so, you would suddenly have a ton of house ownership problems your friends can't relate to. It is those sorts of things I am referring to

I can't help that one of my most active chats right now is speculative investing, and it simply is not a game for e.g. people with high rate debt

Then what about making someone feel shitty for describing your day? That you took a day off due to stress, and you remind them of their unchecked mental health crisis? I'm not saying you can't be a good friend through this, but that you need to be a good friend through this. This makes it much more doable with long-time friends rather than new people who you subconsciously pick as being like you