Making feel guilty and awkward around earning money is such a great tool of social control. I've kinda got to begrudgingly respect whatever asshole came up with it.
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They're sufficient within the system as it exists, yes, but that is itself an artefact, and various features of that system significantly exacerbate those explanations: The range of salaries you can easily be friends with broadens significantly if people aren't struggling.
At the bottom end the problem comes from precarity, at the top end it comes from the way people's cost of living is significantly encouraged to track their salaries.
