Your perspective is way off. It sounds like you're young, single (no kids, at least), and doing well for yourself. Which is great!

I have a pretty well-paying job, at least enough for my family and I to live comfortably. But I also have adult responsibilities, including taking care of said family. Sure, on paper, I could feasibly afford to get both, but there's no sense in getting two systems that--to my earlier point--seem to serve identical functions. Especially not when I'd also like to go out with my wife, prep a high schooler for college, help my younger child with severe special needs with everything he needs to thrive, sometimes go on vacation, do some other hobbies, responsibly maintain vehicles and things around the house, and so on. All that on top of purchasing frugally (every single piece of furniture in my living room, for example, we got secondhand for free).

So yes, it's very much an either/or decision for me, as it is for a lot of people.