I agree with your whole post, but it stands out to me that $30k is a decent new car (or most of one). $30k is a down payment and closing costs on a small house. $30k is a lot of money.
And $30k is “cheap” these days for a sporthorse - usually green, or stepping down, or has a major maintenance or quirk. Lots of leases for $30k on what people would call a starter-type packer. This is the reality of horses right now. Yes, you can “have a horse” for less, get lucky, etc, but this thread was originally talking about trainers restructuring their businesses to cater to fewer, (essentially) wealthier clients. When $30k is realistically a “small” budget… it’s no wonder that the “middle class” rider may simply not be the target market for a lot of programs these days. And that is a hard pill to swallow for those of us who used to fit competition horses (boarded, in a program) into our average lifestyles.