I read something that said among the states in the US, California is one of if not the worst state in the country in terms of credit ratings being the lowest. It seems like places that have a higher cost of living have more people who rely on and struggle with credit cards.
I would say yes, on average, this is true. I lived in California for 4 years. I was paying around $1600 a month for a very tony apartment. When I moved back home to be closer to family (In Pennsylvania) I got the same size apartment, probably slightly bigger for $450 a month. I noticed tech items also cost more there as well. Like a phone I can get here that costs $500 will be $900 in California. People always talk about raising minimum wage state wide but the cost of living would go up everywhere so it wouldn't be like you were actually getting more money, the government and states would be though because it is more they can tax from people.