Dual income homeowners with healthy retirement funds. The fucked up thing is 1 million dollars isn't that impressive anymore -- you can easily spend that in retirement living a middle class lifestyle in the USA. Particularly when you factor in age related medical expenses and elder care.
It's not like our retirement, healthcare, and elder care systems are catastrophically broken or anything.
Especially bad when you consider the elevator shouldn't have fallen in the first place.
Elisha Otis invented his automatic elevator brakes in 1853 -- designed to instantly stop cars from falling if the cables snap ... and the Empire State Building used Otis safety elevators.
Given how dead simple and reliable the safety mechanism is something must have gone horrible wrong.