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What everyone in this comment section calling out "10k isn't much" are failing to understand is that over 60% of the USA live paycheck to paycheck and don't have any savings to speak of. Extend that to the world and you would go pale.
Check your privilege and get educated.
https://www.cbsnews.com/news/paycheck-to-paycheck-6-in-10-americans-lendingclub/
https://www.lendingtree.com/debt-consolidation/paycheck-to-paycheck-survey/
You can link all the articles you want, but I challenge you to check apartments near you and try to find the cheapest one.
Bruh, I live in Seattle. The cheapest ones are still in the $1000s for minimal sq/footage. My place is $1700/m w/parking at 640 ft.
Average people who work in service or labor can't afford to live here if they have a family. Commuting on 90 or I-5 or 99 is always a slog, so living outside of the city incurs massive time and effort, which aren't sunk costs. Gas is $5-6/gal here. Public transit is better than most places, but still bad. And we haven't even brought up the homeless dilemma, rampant drug use, and property crime.
Most cities are like this now. Dallas/Ft Worth are cess pools. Miami is a mess. Tampa, SFO, LA, NYC, and so on... If people don't see it, it's because they're ignoring it or are in a bubble.
I know your pain very well lol, that's why I moved from Washington. Seattle is pretty ghetto too, so I didn't want to live in the city. I wanted more Bellevue/Redmond/Issaquah/North Bend area, but the cheapest places there were like $1200+ and that was considered dirt cheap that went really fast. Now I'm stuck in a shitty red state in a medium-sized town for the time being. I was so optimistic when I was growing up in WA like 15 years ago and wanting to stay there my whole life. Now it's overcrowded as hell, expensive, and all the other things you mentioned!