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Sailboats aren’t prohibitively expensive for a normie, especially if you buy a used one. If you look at the large empty houses near every harbor though, you’ll see a better sign of the wealth disparity. The rich own multiple houses worth millions each and they seem to be rarely used while many people can’t afford a starter home now.
Buying a boat is cheap, owning one not so much. Between marina fees and maintenance it adds up really fast.
As my dad would say, "A boat is a hole in the water you throw money into." Boats are cool and fun if you like to sail, but between maintenance costs, mooring fees, the cost to take it out of the water and store it at a boat yard once the season is over, scrape the barnacles off, repaint it, etc. it's not a cheap endeavor.
That's why the only reasonable way to own a boat you can't trailer is to live on it full-time.