Once you are used to a private car, you may feel entitled. If that car ownership grows expensive, many would fail or refuse to adjust , and end up paying the increased cost. The same pattern applies when you are used to 2 cars, or you are used to a big home, or you are used to having maids, or pets.

Personally, I had adjustment problems when my commute deteriorated to exceed 45 minutes.

Adjusting (to a simpler life) is one explanation why those earning $300k still feel the livelihood pressure.