Personally, I think it’s part of the petty-bourgeois delusion that a person can become part of the capitalist elite instead of realizing that they have more in common with the working class.
A lot of it is atomization. If you are fully atomized like we are in the US, liberatarianism doesn’t seem as silly as it obviously is. Its a logical fantasy caused by these conditions. Similar to wanting a homestead to be “totally self sufficient.” Its a fantasy obviously no one can be “totally self sufficient,” but when you’re immersed in an atomized siciety ot makes perfect sense that people would want that.