Well that's my experience outside of Orlando FL. As for unaffordability, I don't have an opinion there. I know many people who exist in this state as single parents with multiple kids and then there's those that don't think they can exist because they aren't getting the best schools with the best neighborhoods and going out to $$$ restaurants. People have different needs and level of tolerance and adaptability.

In my experience, the most affordable place to live is wherever you have the most family. People you know who take care of each other. I think that's what culture means to some, people who you're familiar with and share the same interests. It's not the museums or fancy coffee shops or venues but activities that bring people who shares the same interest as you together. For example when mayor Wu close down a street and turns it into one big street food and open market area, bringing out many foodies. It's inexpensive because we all need to get there by public transportation and many businesses being in one location create more competition and choices for consumers.

Then there's a sense of freedom from anonymity. A place booming with a diverse culture provides a sense of freedom to do or be whatever you want without feeling of being judged. One can enjoy being alone without feeling lonely. It's a difference between dining alone at a crowded bar vs an empty restaurant. A place where you walk in and no one notices vs a place where everyone turns their head whenever someone new walks in.