You have it so good - what am I missing?

Longtime lurker, first time poster, so apologies for the rant. I'm just trying to understand why there's so much malaise on this forum. Having been in this industry for half a decade now (including sell-side / buy-side experience), I'm always shocked at the level of complaints that people have, especially as 20 something year olds with no discernible skills. This isn't a generational issue in my opinion and not the predominant feeling in the industry, but a lot of the posts on here are people bemoaning how hard their life is for the decisions they make voluntarily.

This isn't supposed to be easy or satisfactory. We all get paid an insane amount relative to our skillset (most of us were too lazy to code or majored in something hard and wanted to get paid more for less hard work). We get to live in beautiful cities (except SF but that's a political problem) with every luxury known to mankind. We can afford to max our 401k and put a card down for tables. For those of us who grew up-middle class but not rich and had student loans - I was able to pay off 200k in debt with my first three bonuses. We even get perks such that we do not have to worry about transportation / food costs!

I just don't understand why so many people refuse to acknowledge the fundamental trade-off between the amount we get paid and the drain on our time. No one is entitled to pull-in six figure salaries, have a robust social lives, 3 hours a day for cardio and lifting - we all have to optimize for what we care about, Yes, a lot of the work we do is mind-numbing - I promise you having worked service jobs that most other jobs are equally uninteresting and pay a lot less. Yes, we are hard at work making money for people far richer than us who theoretically work far less than we do. Yes, we could reap much better economics in the search fund / reseller world - with significantly more risk. But in terms of optimizing for future earnings, current savings, building commercial acumen, etc - there's just no better place to be. There's so much value to being around smart people who push you to become better via encouragement or competition. Yes, we all were jealous of our product manager friends who pulled in 400k in comp fresh out of college - but except for the very best many of them don't have those jobs or skills anymore with layoffs in tech. And as an ethnic minority who is excluded from any of the benefits of diversity (though I went to a target), I totally get the frustration as a middle class kid watching someone with far more economic privilege get a smoother road to success than you.

I believe most of the horror stories I hear / read because I've seen them happen - bad bosses, dumb MBA associates, diversity/relationship hires who aren't competent, bad bonuses for some nonsense reason. But you always have the option to leave and do something else, especially the more years you put into this industry. We should all prioritize our health and our well being and it can be hard to do so in this industry, but we always have the option to leave. We aren't being asked to spend 80 hours in the coal mines, but in an air-conditioned room in front of a computer. Most of the extra hours we put in are often a function of our own poor shoddy work or inability to communicate. And there are literally tens of thousands of people our own age who would happily take this job if we wanted to leave.

I've had good and bad experiences in the industry, and totally appreciate that prestige, compensation, and WLB are not always correlated in the way you'd expect. It's just shocking to see posts comparing megafund PE to slavery or things of that nature. Most of you seem like pretty smart, reasonable people, so what am I missing here? Am I being too harsh in assuming that a lot of this is just entitlement / cognitive dissonance over not being able to cut it in an objectively demanding field?