Horses are only as expensive as you make them. I cut a percentage of my own hay, spent good solid years learning how to trim hooves to throw out farrier costs, and give shots myself and I am constantly learning from all qualified and experienced people so that I can CONTINUE to do 90% of horse maintenance myself. My monthly cost is roughly $55 a month (in summer, probably closer to $90 a month in winter), and that's for hay and beet pulp, every two-three months throw in five bucks for wormer. Anyone is welcome to look at my girls, and see they are good looking, well trained, and well taken care of animals.
By learning how to count pennies and learn the things you need to know, there are really a LOT of people who could "afford" a horse and probably don't even know it
Just can't be afraid to get your hands dirty.
I also come from a very poor background, both my parents are in school again to try and better their futures, I live with them and have opted to take care of the house and help watch kids in exchange for my board, and the board of my horses at home.
Rich to me, personally... probably would be anyone who makes $20+ dollars an hour, LOL! Just because I've never seen that kind of money in my hand, and the very idea of it kinda makes me go: O.O I spent an entire summer working my little butt off on farms, and only saw around $600, that year.
"Rich" varies from person to person I suppose, the poor'r you were raised, the more money looks a bit sacred :p
Some people could argue that if I sold my horses, I'd have that money I spend feeding them every month... but really, their company and quiet trail rides are worth every penny to me.