What privilege? Anyone's life (someone who lives in the Valley) is worth more than 95k. Anyone who is a software engineer at Apple, is definitively worth more than 95k. The kid is dumb. Not sure how Apple interview processes are these days.
There's homeless people living on the streets or people in jail who destroyed their lives for way less than 95k. Often for nothing, like throwing a punch over a parking spot argument.
You'd be surprised how far down poor impulsive choices can drag you down even when there's no money on the line.