HN is full of people with a) probably decently good homes and b) a high level of self-motivation on work and hobbies. I suspect sentiment here doesn't generalize well to the population at large.
I believe the stats are more like mid-30s. So been in a software career for a decade and above-average interest in technology, a majority not even in SV... ya, most HN in US probably own homes.
I don't think the quality of the home factors in, but I think you make an excellent point about HN'ers being highly self-motivated in terms of personal projects.
They're less likely to be spending their time at home just watching endless TV or Instagram scrolling.
So I think you're right, it doesn't generalize to the larger population at all.