I have to say that you're not completely wrong, but you're not 100% right too.
There are around 7-8% of players that are actually winning players. Which is pretty good, would be even higher without rake, but...
Also real professionals, and yes, they do exist have really good BRM, which is usually more then 100BI.
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Can't go drop 60k cash on a car if you have 90k cash from poker, because you need it to play.
You're right, that's why proffessional card players have "play money" on one side and "real money" on other. Let's say I'm playing NL100 and my bankroll is $10.000. That means that I'm having $10.000 to play poker. But that doesn't mean that's all the money I have. Let's say your paycheck is $3000 dollars, but the car you're going to buy is $60.000, how are you going to buy it with cash?
Most of players these days are "kids" 18-22 years old usually so most of them don't even know what money is and how to spend it wise. In your post you're telling us about gamblers which all goes bust. Poker is a skill game.