>Marrying the right person and having close family and friends nearby covers all of that regardless of income level.

Provided your spouse doesn't need to work too. And that you're OK not helping her with the stuff. And even then, you've just shared the duties, not eliminated them from your life to some servants that just do anything and you don't owe them nothing but an insignificant amount of your money.

In communal traditional societies the above is easier. In modern city life this is all but lost for the common folk.