@Goldenbear I'm probably close to being a theoretical millionaire because I own the house that DS and I live in.
I'm a single mum. I don't have any money, it just means I bought a very ordinary house a long time ago. We live in it. We could sell it but then we'd be homeless.
A new-built shoebox semi in our town costs £900k. I have a budget of £60 a week to feed both of us. We haven't turned the heating on yet. I'm still working full time in my 60s.
Maybe adjust your views of the "rich" to take house prices into account.