I'm not sure people are actually leading pretty decent lives. The people I know are working stressful dead end jobs and living with roommates in order to barely make ends meet. They don't have much prospect of improving their lot because doing so requires capital that they don't have (e.g. to start a business or go to college). Even though they have health insurance, they avoid going to the doctor unless absolutely necessary because they can't afford the co-pay. In some cases the states that they live in actively seek to discriminate against them.