I’m sorry, but what you’re saying really is class warfare IMHO. It’s war on the rich, not the middle class…but it is war IMHO.
What you call an “elite academy” I might call “Catholic high school,” and I just don’t see that - and the sacrifices parents make to afford it - as some mark of elitism.
Country club memberships generally require huge initiation fees, often in the form of pledging a bond, as well as annual dues running to the multiples of tens of thousands. Even upper middle class professionals can’t afford those things.
As to assuming what people’s savings “should be,” I’ll say this. I’ve known very rich people; very poor people; and the in-between. What I’ve learned is that it is very easy, in fact seductively so, to count other people’s money. I knew a guy (X) who attacked a friend (Y) who was a lawyer, alleging the lawyer Y was a “fat cat.” The lawyer proceeded to talk about his student loans and all the other costs he had that Mr. X didn’t have: malpractice insurance; rent on his office; suits; dry cleaning costs; extra gas because he had to drive to many courthouses in different counties, continuing legal education courses required under law, etc. He went to a good but by no means Ivy League school and had all sorts of costs Mr. X didn’t have.
Look, there are truly obscenely rich (and BTW those peoples’ millions are often given to many charities!) but I respectfully detect an undercurrent of almost joy that maybe some upper-class person might get foreclosed on or “have to sell their BMW.” I hope I’m wrong, and I know from your many excellent posts that you don’t think that. But as a Catholic Christian, I wouldn’t want anyone to experience the pain of losing a home or having to pull kids out of a private school, rich or poor - heck, kids are the most innocent of all, regardless of their social standing.