I doubt there would be many people on 180k + who would be suffering mortgage stress by putting a roof over their heads Unless of course if they have over extended themselves which I’d by choice
You don't get out much do you, and you must not associate with a lot of people across the board that have mortgages well before the interest rate rises.
So it's their fault even before the interest rate rises that they may well be feeling mortgage stress.
There is no gang, only in your imagination when you feel you have to justify yourself.
But if that is your interpretation of someone being rich, very poor attempt.