All that leaves is born wealthy and small business owners. The small business owners aren't going to last long if their only potential customers are the generationally wealthy and the working class.
I took your statement as referring to the current situation, not the future.
> All that leaves is born wealthy and small business owners.
What do you mean by that precisely? If the purchasing power of the cognitive elite collapses, it will make everything more affordable for everyone else. The generationally wealthy aren’t competing with you for housing in the Maryland suburbs.