Gatekeeping really is not either of these things, but people can wear whatever they like. I can’t say I get why someone would do it at all, but not my problem.
There’s a huge difference between using it as a conversation starter and asking about their favorite songs or whatever, since it’s reasonable to assume they know and like the band, and going “name 3 songs” because you assume they don’t listen to the band and also somehow care about that.
Progressive taxation so nothing lowers your net income. That scale seems quite sensible really, and you’d even have more than the 100k because again progressive taxation. And honestly 100k net is already an obscene amount of money for a single person.