In which country do you live? In Austria you're not allowed to install an split unit AC due to building regulations. You could if you own your own single family house but you need to be very wealthy for that, beyond the average tech worker. Tech worker is blue-colar work here.
I think it's somewhat rare in Germany and Austria, but you don't need to be very wealthy to own a house in France or Belgium for example. And you are allowed to install A/C, in fact heat pumps are very much recommended for new builds, almost mandatory even given the tight energy requirements today and it's becoming common enough to use a reversible one.
The Belgians on the other hand are the 4th richest people in the world, and also Belgium has one of the lowest levels of wealth inequality. So it's much easier to inherit a home or at least enough cash for a downpayment.