I can afford one - but I'll never buy one.
Gaming does not exist in a vacuum - sooner or later the prices get so nuts that people find other things to spend their moolah on. It's got to the point where it competes with (for me) things that are a lot more interesting. Would I prefer a 2 week holiday this September, or prettier pew-pews? Well, I've got that holiday booked, so I think that's that one answered.
I earn a very good wage, but I'm odd and much prefer older cars, so your example is also valid to me - my wife's 2009 C-Class wagon is lovely, in fantastic condition and worth less than a 5090 - I just have no freakin' interest in spending that much money on a GPU.