I mix on some generic computer speakers. So monitors are that thing I always want but have no real reference. We talk a lot about this on the dnb forum I found this demonstration to be helpful. Hope you do too.
I got kids. So when the bills are paid and necessary thing in life are bought there is usually no money to spend on toys for adults. I was going to buy myself a pair for Christmas but my car needed repairs instead. That is life. I suspect many people can not afford them because they have bills to pay for.