True, some people can't afford to go. Some just complicate their lives and buy a lot of stuff they don't really need, also. We live very consumerist times and the truth is if we kept from buying useless things for a year, we could get enough money for a trip. Not everyone, some people are actually hard up and need that money for other things, but also some are not.
It doesn't matter, anyway. Everybody lives their own life as he/she sees fit.

am very confident that should you see a snapshot of it you'd approve and comment that things are well on track

I'm sure I would be. I often think about the people around me and about their lives (it's good to analyze people, gives you an in-depth understanding of how they work) and you're not among the ones who don't seem happy or caught up in lives they don't really want. :)