My wife has been on a rom-com binge over the last year or so and something I’ve noticed when I’m vaguely paying attention or walking past is that almost every single rom-com features people who are, at the very least, middle to upper-middle class. These characters all live in gigantic houses/apartments, have beautifully sparkling brand-new cars, take month-long vacations to their beachfront properties… it’s just so unrealistic and out of line with the life that the vast majority of us lead.
I understand some concepts - large rooms are easier to film in, rich people own nice things that set a beautiful scene, it’s not interesting to discuss financial issues all the time etc. but this seems (from my anecdotal perspective) to almost be a rule of the genre.
Some more food for thought:
https://www.digitalspy.com/movies/a867107/rom-coms-diversity-wealth-income/
Note that (some, not all) rom coms also involve a Cinderella story - a poor or middle class woman falls in love with a wealthy man and she is plucked from obscurity into wealth, where she “belongs”. Money is part of the fantasy.
I don’t watch a lot of romcoms but one that I’ve seen and like is “While You Were Sleeping.” It starts out like how you describe but then there’s a little twist to it and she ends up with the bluecollar guy.