That's again, largely choice.

Sure, some folks have a hard time choosing where to live, I get it. If we're honest, most folks just live by default wherever. They don't want to change.

And you vastly overestimate the cost of living outside major cities. It's a tiny fraction of what you might imagine.

I think I agree, if we recast it as 'inertia', it captures most of the working population of the US.