America has a socio-economic class structure. Any sociologist will tell you that. But the good news is most of us are not stuck in any one level. We are free to at least attempt to better ourselves and move into a higher class of citizens.
However, we are also free to not try. And indeed there are some who just do not have the resources to make such an attempt. And those people will remain forever stuck in one class level. But to your point...
Yes the de-facto class levels do separate people in one class from people in another class. That results because we have more in common with people in our own class than with those who are in another class.
And that's true at any and all levels of socio-economy. For example I would no more associate with a billionaire than a billionaire would associate with me. I don't own a private jet, several islands, and a dozen homes spread all over the planet for example. That's what billionaires do, and I have nothing in common with them in that regard.
On the other hand, within this past year I've traveled to Hungary, Hawaii, and Australia for short vacations in each place. And I do own two residences...one's a vacation place. And one of my cars is a luxury car. So I have little in common with my cleaning lady who has none of these things.
So it is sometimes hard for people in one class level to understand people in another one. And the further apart the levels are from each other, the harder it becomes to understand each other. You don't understand your colleague and she doesn't understand you.
But I have to wonder. Did your colleague and her hubby just suddenly come into money? Or did she and he work their ways up through the ranks? I suspect the two of them worked their respective ways up through the ranks. In which case, they were once lower class themselves.
They should certainly understand you as they were once there themselves. I think your colleague is spoofing you for some reason.