I have always wondered about San Francisco, I've travelled through, never explored it per se, but its a beautiful place. Going back next summer with the family. My wife says the "left of center population" there succeeds due to the high number of "DINK"s, (double income no kids) both straight and gay in town. It has the highest average home price in America, yet almost everyone I see there looked like they cant afford coffee. Whatever.
As far as Pebble Beach, Im an enlisted man in the Army, not wealthy, but brother I would happily pay 275.00 for a tee time at Pebble Beach. Eventually all those old wealthy elitists there are going to die. Then it will be a nice place.