I don't think its for the rich at all... not one bit actually.
I do think it is for folk that understand you can't have everything in life and those that are willing make decisions...
I know If I was into going out all the while I couldn't afford it, if I smoked I couldn't afford it and if I drank I couldn't afford it either. I have another hobby (running) which in many ways is far more expensive and more time hungry.
I think the answer is that you can collect (and more importantly enjoy) vintage star wars easily on a tight budget if you want to. You don't HAVE to own everything, you don't have to do runs, you don't have to be a focus collector. You can enjoy picking up some things when you see them at prices you feel happy paying and wide variety of items from the vintage era that you could collect is vast. Stationery (HCF) is really really cheap, trading cards are cheap, micro tins (and other tin ware) are very reasonable, sigma can be done cheap too..
With every sector in the vintage hobby there is a DT sabre Luke (or higher with Ben and Vader) or a Helix set of felt tip pens... but there is also a run of Jabba goons or HCF pencil toppers that are just as fun... maybe more as you can handle them without fear!