A lot of it is local politics too. The Bay Area has chosen very hostile to economic growth policies especially around zoning/ affordable housing etc.

So it’s like if they keep voting for people who are anti growth it seems like the expected outcome to be left out. I.e. if new apartment buildings are largely banned, you don’t get the opportunity to open a coffee shop or work as a building manager.

This isn't exactly true because some others participate indirectly. The most obvious winners are the people who bought housing or other real estate. There are also non-programmers who invested, the most famous may be the Persian carpet dealers in Palo Alto who've been investing in startups on the side.

Yes, there are many who don't own their house, but some of those can also benefit. California has some of the most generous social benefits in the nation, all because they can tax the tech companies.