In my town, most doctors and other medical professionals do live very middle class lives.
Around here, they live upper middle class lives at least. Large houses, luxury cars, fancy vacations ...
By your calculations, your student debt was less than a year’s ( combined spouses) income.
Percetage of total income is not the same thing at $70k income as it is at $250k income. Percentage of your income that is disposable, i.e. not spent on necessities, is much higher at $250k.
Medical debt from med school alone—not including debt from undergrad time is equal to a year’s average wages for freshly minted MDs. Not including, of course, any student debt of partners or consumer debt accumulated nor the costs of joining a practice or starting their own practice.
Those that start their own practice can also make substantially more than $250k.
Consider that these are people who likely will wantto save for their own kids’ education. There is just not as much wiggle room as you may think. No MDs in my town driving Benz or Tesla’s or Beamers.
There is a physician I know who has four luxury cars in the family. Yes, he even bought his sons who are in medical school and college an AMG Merc and an X4M Beamer respectively. Again, I fail to see why I should (through my taxes) pay for their student loans so they can live even more luxurious lives.
The amount of debt is staggering. No one should be so burdened, whether they are an MD, a nurse, a teacher, a lawyer, a social worker, architect, etc.
Your argument certainly does not work for MDs (or even DOs) who are exceedingly well compensated in the US.