My father unit in ara damansara depreciated 6 digits , luckily his loan amount was not big, yield wise still +ve, but it is a joke investment.

Nope.. most are working professionals. 

The elites are holding millions in the bank. They are on a different level altogether.

I know the type that can take a private yacht and go to Thailand for the weekend. Those types dont need to work.

Totally different from the group I mix with. Which are mostly small business owners or degree holders and working professionals. They all live a comfortable middle class life and all living in their own landed property.

It's not hard.