My family was not wealthy but I got the luck being born in the EU in a country where edu and Healthcare were basically free and you really cannot end up under a bridge unless extreme mental (and drugs issues that follow that) problems. My parents, even though we did not have much, always taught us to never follow orders unless you think they make sense and follow our own path. I guess that is why I mostly have no difference in vividness; I always did my own thing, that happens to be writing software so I got lucky and got rich by building stuff I thought was nice and needed. I still do that while also doing art (welding sculptures and writing). 2025 was not less vibrant than my childhood. Of course I am the most annoying employee; if you tell me 'have to', I will definitely never ever do it. So I never been an employee; guess that is the luxury you mentioned.
I have no clue how it would have turned out if I would have grown up in a country without a safety net. I hope the same as I never needed that net and will never need it, however I am not so sure; it makes taking risks very easy...
Extreme mental and drug issues are always in the picture with those outcomes, though. The real "safety net" when faced with the possibility of real homelessness is to get the hell away from uber-expensive places like SF and move to at least a semi-rural area where getting access to good shelter is going to be orders of magnitude easier. These are not bad places or areas of poverty or marginalization, people have literally been settled there and building functional livelihoods for generations.