It always strikes me a bit odd when someone from SV comments on societal questions. People from different backgrounds and different walks of life don't obviously share the same worldview, of course those people well off have a harder time relating to those lower on the economic spectrum. But somehow it feels almost like there's a physical discontinuum between the "tech" people, and other people, who don't breathe and live their work, who are just happy to keep whatever job that keeps food on the table. I believe a big part of this is that most folks, contrary to tech, don't have to actively learn on the job. That's why the common answer to start re-educating yourself isn't really a viable alternative for most average people in their 30s-40s.
Don't get me wrong, I think it's very much unfortunate that societal issues get in the way of progress that in the long run will make everyone better off. I'm just saying that the things you have listed aren't necessarily the only factor in solving this problem. It's like considering people and their lives only as a function of income and expenses, when there are really a host of other factors also at play here.