I wonder what we AVERAGE* folks would do if we were magically transported into a life of wealth, privilege, exclusivity? How would we react?

I don't know if it's still on ... but there used to be a TV show about people who won big lotteries.
Turns out, most of them blew their money without thinking about it.

Americans are terrible financial planners. 
That's why most of them have thousands of dollars in credit card debt, and very little in savings.

Rather bigoted suppositions.  One assumption being that people who are not wealthy work their butts off all their lives.  Not true. Or would you not consider those who don't as "average". Some people do, some do not.  Another is that wealthy people don't work their butts off all their lives.  And while no doubt some do not many of course DO.  Because if they wish to retain their wealth that is necessary. For if no one works the wealth is spent and it is gone usually within a generation or two. And while some inherited wealth others worked their butts off all their lives to achieve it and that is the reason they are wealthy. 

Contrary to what you suppose wealthy people do have bills to pay. And often. depending on their lifestyle and obligations, a lot of quite hefty bills to pay.  Contrary to what you might think money does not guarantee immunity to disease or ill-health. And many wealthy people lead such stress-filled and sometimes even unhealthy lives that they die before their time as a result. And the wealthy care about their children as well and the money makes it more difficult for them to determine how to do right by their children.  Some children are pampered no question but many wealthy parents expect their children to make their own ways in life without any immediate help which can be harsh as well. 

Money gives us purchasing power so possible to have things which less fortunate people are less able to afford.  Which can be considered I guess "privilege".   But money also brings with it more obligations to help the less fortunate as well as to serve on boards and committees and in with charitable and arts fund-raising.  True that the wealthy are invited to more functions but they are expected as well to open their checkbooks more often and more generously. 

If you value and appreciate what you have then I would say you are ahead of the game.  And no reason to think about being "magically transported" anywhere!  For that is the secret of happiness. 

Not sure where you get that wealthy people must be plotting "to get what others had" - not sure what that means. Some wealthy people have developed a very disciplined work ethic which leads them to further success and this is what they are used to doing and this is how they define themselves.  Not just a matter of getting just what they need to survive and no more. In fact greater wealth for many people brings greater worry and more effort into preparing for all possible catastrophes and contingencies. 

No one can "gave it all" and I would say as many wealthy people are as appreciative of what they have as "average" people are. 

You have written "those who are like me totally get it.  Those of you who aren't will never have a clue".  Now if that is not "exclusivity" then I don't know what is!  Like a club to which people who are not "like you" need not apply and will never be admitted. 

Im lucky to live with my mom... we hae a very special building we live at... its called a 'co-op' , and there the rental is less expensive then other place...

So i dont even pay rent.. my mom told me i just pay all the food , and the internet...

But still life cost high and its lengthy to start making money and saving .

What if everyone were black.

How do I know? 

Virtually everyone would think they "had it made"!  However, after a bit, a few might not find it as glamorous as they'd expected.

There's a difference between the value of unearned wealth and wealth that's obtained by hard work.  People tend to treat it differently. 

To the average Joe/Jane, money is something that's hard to come by.  Rent/mortgage, utilities, gasoline/auto, medical, food, kids, taxes and other bills, all vying for slice of that piddly paycheck they bring home twice a month. They must scrimp and sacrifice to make ends meet.   "Money doesn't grow on trees".  To them, money represents a part of their life.  They gave an employer part of their life in exchange for a paycheck  So when they buy something or go on a trip, they understand how much it really cost them.

For the average Joe/Jane to be thrown into a life of wealth, privilege and exclusivity, might, at first, seem like a godsend.  However, wealth has a way of changing people....  
* Those who have wealth usually want more (money = power).  Joe/Josephine now "need" a bigger house - away from the "riff-raff". 
* Wealth has a way of making a person feel like they're better than others (ego?).    It won't be long before Joseph and Jennifer ditch their "old" friends for ones deserving of their "stature". 
* The wealthy like to live by their own rules (wealth has its privileges?).  Joseph greases a few palms to get a bowling alley approved for his property, and Jennifer "buys" her way out of a parking ticket.


What I'm saying isn't "one size fits all", but a generalization.  There're always exceptions.