There's also the phenomenon of disregarding car costs in choice of location due to lack of imagination about not needing one car per person

I know quite a few non poor people who moved to the suburbs or exurbs because they "couldn't" afford a single family home in cycling distance, then pretty much immediatly spend 60k on new cars because they need them to be reliable and then burn through like 300€ / month in operating cost for the commute alone at which point they would've had enough budget to level out the price difference.

They're mostly cool people, but a few of them definitely turned into carbrained I am the disadvantaged working class, those damn 2br apartment elite city slickers people