You make some good observations.
I will add another piece to "The Matrix".
Age / Health
10 years ago these Montana winters were beautiful, the wood burning heat was hypnotizing and the Californians had left for the winter.
Today all the medical specialist are an hour's drive away, firewood is $300+ / cord and the Californians stay for the winter but can't drive in show and ice.
Paradise today could be uninhabitable in 10 years. SoCal is a good example.