So I am fortunate enough to not be especially hard-up, but am a public sector worker, bought my house when prices were cheaper. Good at watching money and have never had much disposable but that doesn't really bother me. We were fairly short of money as children and I am naturally very careful with money. Not to the point where I can't enjoy life, but I think about how I can't go out for too many meals etc. I know I am much luckier than most.
I have two friends who are v wealthy. Private schools, extremely expensive holidays, several houses in v expensive locations, domestic help at home - money is no object. I like them both but I feel like it is a barrier to being close. They also seem to forget that for most of us money is a barrier. I've had comments about would my children go to uni overseas, well no because the flights alone multiple times a year would be too much, let alone fees without a loan. I went to one of their parties recently and I left before the end because the boarding school, holiday, ski etc chat got too much. At one point they were laughing about how awful it would be to go to Centre Parcs. Er you should be lucky you can afford it. I have got more brazen about just saying, no, that isn't something that would be financially viable for us
YANBU - it's hard to be close to people who have a hugely different financial situation
YABU - who cares, it's doesn't matter