I'm not quite sure you know what the "prototypical HNer" is I live in the Bay Area, I know a lot of people who also spend a lot of time on HN, if I were to make a guess my sample size is larger then yours and I think your assumptions are off but I'll leave it at that.
Nor does the prototypical HNer. Though I am helping my dad buy a house.
> Without a gold spoon it's not as easy as you make it seem.
What do you mean? I definitely don't have a golden/silver spoon, but have been able to save up a good amount despite ludicrous NYC living & taxes.