Disposable income is also some dumb shit.
How many adds are for things in FIRE related fields that don't come under disposable consumption, like mortgages and insurance?
Sure, Sydneysiders might have a higher proportion of money tied up in their home loan but guess what, that is still a product that is advertised to them.
I don’t see many insurance ads during football coverage. Most of it is gambling or alcohol which requires disposable income.
Insurance ads are usually done during the daytime.