I don't see where I have overreacted. Could you kindly point it out?
But what I see clearly is that phrases like "心胸狭隘,眼界狭隘,心态不好" may well desearve the word "overreact".
As to the meaning of "如果是一线城市本地人,家里面本来就有房有车的,那(么)可能没那么大负担", I think it is more natural and accurate to interpret it as "IF(如果) you are a local of a first-tier city AND your family has already owned an apartment/house and a car, THEN(那) you might not have felt that much pressure". This is why I abbreviated it to “如果本地人有房有车的。。。"