Well actually, it does matter how wealthy you are as to whether you can afford nice things without breaking a sweat. There are tons of people (even on this forum) who spend silly money on expensive and fuel-guzzling cars, or who regularly go out on weekends and blow wads on alcohol in pubs and clubs, and that is FAR more fiscally 'stupid' than buying an expensive GPU's that you get good and worthwhile use from every day you game on it over its generational lifecycle (or beyond).
£2000 over 2 years, with an approximate 50% resale value at the end of those two years making the overall cost around £1000, is not a terrible investment if you love gaming and want the best experience you can get.
But yeah, it's still expensive for a GPU and Nvidia suck for raising things to this pricepoint. I will wait to see what AMD bring to the table before making any decisions.
50% resell value is optimistic unless you sell a few months before the new card launches. 3090ti are only £999 new everywhere.