$170K isn't that crazy. Since when do programmers have to do the whole starving artist routine to get respect? Living close to the edge doesn't make you work any better. If it did, you would have to question companies like Google who give their employees really good benefits. $170k split four (or more) ways actually doesn't sound like much, especially when you consider their location (NYC), and their massive student…
Having money lets you rest on your laurels. They could live off of that money with no work on the project for two years, more if they moved somewhere cheaper.
Would you work harder if you had two years' living expenses in the bank, or if you had to make enough sales to pay rent in two weeks?
> and their massive student debt.
As someone in this position, the answer is easy: deferment. It's really easy when you're making next to no money.