Sv is high cost of living because the people want it to be. It is well known in ecconmics how to make most of their costs lower, but they have spent years fighting those things. They get the good and bad side of high cost of living. (yimby says they want to change, but I don't know if they really want it, or just want a minor change, or even yes in the backyard across town)

I live in a low cost of living area and get the good and bad of my choices.