It is easy to moralize when you don't know where the shoe bites. It might look decent to you from the outside but even decently paid struggle to keep up because of the following factors:
1. India does not have a social safety net so every man or family is for themselves. This just forces people to give first priority to accumulation of money.
2. Even a decent life style in India is not affordable unless you are a business which is either insanely profitable or knows how to hide profits. Even the top bracket earners can't afford decent life style unless they are willing to live hand to mouth or on credit.
3. Suburbs and small cities are so under developed that you can't live there unless you have made a decision to compromise your Children future.
Fun fact: My salary is in top 10-20% range of what you can get in India but the moment I step into India my savings rate drop to almost close to zero due to following factors:
Taxes: You salary is taxed at 35% effectively. This is money you are paying with no returns to be seen. Remember there is no social safety net. If you are saving for modest future via Employee provident fund, your in-hand income drops to 50% of the stated salary.
Rent or Mortgage: Unless you were lucky or have an ancestral property in the right place, you will be paying a decent chunk of your income to rent seekers who will push for a 10% increases Y-o-Y unless you are willing to move bases every 11 months. With Kids going to school, it's not easy to switch every year. You can save this money only when you are willing to put up in shady neighborhood or travel from out skirts for 2-3 hours each side.
Schools & Education: There are only a few good state run Schools so putting kids into Private Schools (which are ironically called Public School) is the only option. This costs significant chunk of your remaining income.
Transportation: You have to buy a car to get anywhere as public transport is overcrowded and not very comfortable especially for Children and elderly. Even then you don't save much as travel from your home to these public transport will still cost you decent money as you just can't walk to public transport.