I'm statistically multiple times more affluent than the average working class (I'm still working class) and I still refuse to splurge money on flagship things, even though I love tech and enjoy having the premium experience. You see, there's
premium, and then there's just corporations scamming the ignorant rich, or those who have more funding than self-control.
Even if you halved the price of the 3090Ti it wouldn't be a good value product, it would merely match a used 2080Ti (which has been a horrible value proposition and middle-finger to consumers since launch) or 5700XT (which currently comes with an almost 50% increase over their 2019 MSRP because they're still fantastically-profitable ETH mining cards)
The cards you should actually buy if you don't want to be ripped off are way down at the bottom of
the chart, and cards like the 6700XT are there, which are perfectly capable of playing games at 4K60 on near-maximum settings. All you have to do to get the 3090Ti experience without being ripped-off is swallow your ego and drop the settings down from the ultra preset to high on a card that costs 1/3rd as much. Probably. I don't know, I don't play every single game but I feel that
high usually runs at least 50% better than
ultra in most AAA titles and the 3090Ti is about 50% faster than a 6700XT on average.