You know nothing about me. So please to not tell me I am "truly" out of touch with how Americans live.
My family was in the best of times lower middle class and that was the best of times. My father abandoned my mother after my birth in an apartment with no heat in the winter in Detroit. My grandparents took us in, luckily.
I barely made it through college. Since I was broke I lived on a broken sofa in a studio apartment during school and ate cheap pasta every night for months. My mom was homeless for 3 months and lived out of her car. She walked a long way to work when that car broke down and she had no money to get it repaired. So do not presume to tell me I am out of touch.