Because they are rich people who are in the rich parts of the richest cities. I’m sure if you walked the streets of Moscow in 1988 you wouldn’t see any significant struggle among the elite.
Moscow and St Petersburg will be the absolute last places where you will see people struggle precisely because Putin knows it's important to keep those cities prosperous even if it's at the cost of people living outside of the major cities.
Sure, but that's already 20% of population counting metro area. Add other well off areas, university towns, upper class in small towns, etc. and it doesn't seem to be looking super bad in the short term for them.