It needs to be because the US has leaned further into individualism relative to other countries. If society's golden metric of success means being able to acquire all of these luxuries or services purely through monetary means as transactional individuals, don't be too surprised when the expenses rack up.
Just because the wider society encourages it, your family doesn't have to lean into individualism, and many don't. We got by when I was a kid with a lot of help from friends and family, when I am absolutely sure we didn't have a living wage under this definition.
I think it also reflects a lense of US academia. It kind of assumes a sanitized, formal, self-sufficient life, detached from others - and then assumes anything other than that is an aberration.
It's kind of like the physics joke about assuming a spherical cow in a vacuum.