I'm unsure as to what counterpoint you are trying to make. If you were implying that I thought anyone could manage to be financially comfortable in the Bay Area, that is patently false. To respond your apparent reading of my comment, the "you" that you appear to be referring to is an example of a person who is financially comfortable in the Bay Area and why that would amount to a net worth of approximately $1.1 million.

I understood your original point to mean that the $1.1M figure is not unreasonable, because it is correct.

My counterpoint is that it is unreasonable in spite of being correct, because that number represents how much a family starting from zero needs to make to reach financial "comfort" in the area.