I'd figure this last year would make it kinda obvious but ok. Maybe: Living paycheck to paycheck - risk of eviction - foreclosure moratorium - no job due to COVID? That's basically not something that happens to people who are rich because they don't work in restaurants, retail, tourism, etc. unless they're the ones running it... which means they have significant capital and don't really risk being thrown out of their home or having to sell their home, etc.
There's lots more but I mean - surely that's sufficient to get the idea across?
Hey, no need to have an attitude. The source of the discrepancy turns out to be that we define "middle class" differently, which was one of my leading suspicions.
Not sure what country your experiences are based on, but I consider American middle class to usually be salaried people who are homeowners (maybe with mortgage, fair enough), so several of the points you raised don't apply. That said, of course, it's a pretty fuzzy category.
Please try to behave nicely on HN. There is no need to insult others here (for instance, by saying that they don't get something that is "obvious").
There's lots more but I mean - surely that's sufficient to get the idea across?