Also throw in all the college debt they require you to pile on before being hired, not to mention the hours spent studying instead of working. And that it is a cyclical feast or famine industry where it ping pongs between 70 hour weeks of deadline crunches and post-dotcom, post-bank bust periods where no one is hiring. And that the career of many ends at 40. Plus as you mentioned, the San Francisco rents for those requiring you work in the city.