I don’t think it’s a self sufficiant issue as much as it’s a “keeping up with the Jones” issue. If we need what others have, how can we ever be satisfied?
I do think there are pleanty of Lakewooders who are mistapek bemuat, and make due with very little.
Years ago, somone wanted to give Rav Chaim Kaniyevsky an apartment, so he and his little kids may move out of his two bedroom apartment. He refuesd to accept. So the good-hearted Yid went to RCK’s mother to have her convince him. She refused. Her reasoning: RCK living in a small apt is mechazek all those who can’t afford bigger.. How can she take that from them?