How are people affording having 20 subscriptions to stuff they probably barely use?
Who said they can? This will be an unpopular opinion because no one likes to admit they are at fault, but the cost of living crisis we are experiencing in Western countries is actually just a cost of spending crisis for some people. Some of those who claim to be "struggling" shouldn't be, but they have never been taught how to effectively manage their finances and until now they've been able to get away with it.
The only thing there I'd really agree with is the pacing, which is only an issue in the final third of the film. Your other complaints are sort of just about Bong Joon-ho's style, most of his films are like that. I'm surprised you found them problematic considering he was one of the reasons why you went to see the film.
And to be honest I'm not really interested in watching someone else's review of the film. If you want to discuss it then you should put the effort into articulating your thoughts here.