It needs to be because the US has leaned further into individualism relative to other countries. If society's golden metric of success means being able to acquire all of these luxuries or services purely through monetary means as transactional individuals, don't be too surprised when the expenses rack up.
I think it also reflects a lense of US academia. It kind of assumes a sanitized, formal, self-sufficient life, detached from others - and then assumes anything other than that is an aberration.
It's kind of like the physics joke about assuming a spherical cow in a vacuum.
Just because the wider society encourages it, your family doesn't have to lean into individualism, and many don't. We got by when I was a kid with a lot of help from friends and family, when I am absolutely sure we didn't have a living wage under this definition.
Did you fairly compensate your friends and family members for that "help"? Systematic reliance on wholly unpaid labor is not exactly something to be proud of.
Um, sometimes people help each other because they want to, or because they understand that those less fortunate than them need it, or because they understand that they may need help someday and so it doesn't make sense to make a big deal of "compensation" now. It's called community, and I think it is something to be proud of.