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I dunno what kinda folks you think are in congress. They're all rich. Its not a matter of being able to afford living as an elected official, they have to afford winning an election.
https://www.npr.org/2022/12/09/1141635119/the-first-gen-z-member-of-congress-was-denied-a-d-c-apartment-due-to-bad-credit
https://www.nytimes.com/2019/03/18/nyregion/albany-lawmakers-housemates.html
https://thehill.com/homenews/sunday-talk-shows/3794921-incoming-generation-z-congressman-says-he-may-couch-surf-after-being-denied-dc-apartment/
https://nypost.com/2018/05/01/these-politicians-are-sleeping-in-their-dc-offices-to-save-money/
Two things:
"Congress" isn't just the Senate, in this context it refers to both houses (or usually, just the House of Representatives). Different people, often with very different backgrounds than "blue blooded," Ivy League legacy senators.
Many of these people (particularly the actual grassroots ones who aren't being funded by outside interests) don't come from wealth, and were normal, working class people prior to their political career.
Everyone in the progressive caucus seem to be good.
No real complaints about any of them. They constantly push for good shit.
And if they weren't paid, you might not have as many of them.
No, the absolute only people you'd have in congress would be rich assholes from rich families.