Your theory is that some people don't find it financially worthwhile to work in NYC, so therefore they decide to just give up and not work and not move anywhere else and just do absolutely nothing instead?
You have to work where the jobs are. Where the jobs are is expensive as fuck, AI and the economy are driving down labor costs (both actual number of salaries and the cost of those individual salaries)... but rent and other living costs are only going up.
> "if you cannot afford it, stop complainingb and live elsehwere" they say...sure...but a commuter train into Manhattan can run you $30-50/day. Add in parking at the commuter train station and you're down about $60 or more a day.
When people say that, I think they mean "get another job in another city that doesn't require a commute to Manhattan."
But New York City as a metro area is the largest conglomeration connected by low-cost mass transit in the country meaning there's a massive liquid housing market and job market ready to fingertips. So if you live in the suburbs and the commuting cost is a dilemma you can always consider moving to the city itself