First of all, <b><i><font color=red>NO</font color=red></i></b> monitor supports a 100MHz refresh rate...let alone 'most modern monitors.'
Second of all, the monitor generally determines the default settings for refresh rate, if the graphics card decided--then lots of people wouldn't have anything displayed on their screen.
Also, since when do I not own a GeForce?!?! WTF!!!...<b><font color=red>I OWN TWO!!!!</b></font color=red> (one old GeForce 2 GTS and a Ti4400 that I'm currently using with dead/dying memory). They're the only non-integrated cards I've ever owned!!
If he is overclocking at all, you can bet that he can EASILY set the clock speeds back down to stock: it's typically just a slider away! With RivaTuner I know for a fact that switching to factory settings is a check-box click away (or you could turn the sliders down to stock speeds as I said before)...pretty sure it's the same for Powerstrip and I know it's the same for Coolbits--I used to use it.
Most people can afford a Samsung SyncMaster?? Where did you get that statistic from?!?!? Half the world makes less money in a month than what one of those costs, and frankly, those who do have computers are likely content with their Dell or Gateway monitor. Only a small percentage of people really think about upgrading to a Samsung Syncmaster...it's not even the best out there--though it is good.
I know I sure as hell could buy 20 of them if they were good enough, but they aren't and therefore I have no reason...my monitor and my eyes are perfectly happy at 1600x1200 at 75Hz on my three year-old 19" IBM monitor. My second monitor is an older IBM 17" that only goes to 1280x1024 @ 75Hz...I see no reason to upgrade them other than to get identical monitors (different sizes and resolutions are somewhat bitchy, IMO).
Generally, rich people also have LCDs...and those will <b>never</b> hit the 100MHz refresh rate (or even a 100Hz for a few years) you said above, essentially negating anything you said about rich people getting a better, more modern monitor that supports 100Hz refresh rate. Most people are tending to lean toward LCDs, usually held-back by price.
BTW, I'm not poor...at all. I don't live in a trailer park, I don't go through the trash, I don't take peoples' old anything, I have a tremendous education for someone my age...and oh yeah, I have money, lots of money.
One last thing, if I did cocaine, how could I be poor?? Do you have ANY idea how much that stuff costs?!
Maxtor disgraces the six letters that make Matrox.