There are people out there that can give a 100k+ gift to their partner other.
According to Google there are about 1.3 million households that make over 500k a year in the United States. That’s not a big number compare to the total population but it’s a big number.
Those families and many others are able to afford something like that if they want too. Notice the homes in those commercials are always very nice aswell. If you cant afford that, then you are simply not the target audience.