Zahavasdad…….
You are right. Many people don’t have these things, but many people have much more.
B”H this is America, land of opportunity. It is possible to have landed at Castle Garden or Ellis Island, or Idlewild and within a generation or two moved to a standard of living not possible for Jews in the alte Heim unless they were Rothchilds.
A great deal of this is about making choices. I prefer to live OOT, but close enough to avail myself of shopping, cultural events and schooling. Small town or suburban living is not for all Frum Jews, tho Chabad seems to expand to these areas and thrive.
The other thing, as I don’t know your approximate age, is something my parents Z”L told me and I told my children:
You cannot expect to begin you adult married life at a standard of living it took your parents 30-40 years to achieve.