There is a word for it in economic and business circles, "consumer surplus". When you have money that you could be willing, or forced, to part with business assholes call it comsumer surplus, like you have surplus money that belongs to them actually if only they could get you to give it to them.
Take that idea and apply it to consumer necessities, like housing or food, and you can see where the squeeze is coming from. The various businesses all at once have decided your money is their money and oligopolistic practices, and weak/ or difficult to deploy regulations let them get away with it.