This is true at a high level. However, it is worth examining some of the details.
Some problems may emerge in the "living his life" part of it. As a result, that will make finding longer term relationships more difficult. A lot of unattached men do not have a day-to-day routine that is going to make finding a longer term girlfriend or even shorter term sex easy. Too many men are spending time either doing their job, spending time in their home, and maybe going to a gym where most women aren't approachable due to headphones/earbuds.
Men with subpar day-to-day routines often end up as app swipers, which is inefficient if you don't look like Chad Thundercocck (aka 85th-90th percentile + in looks).
Approaching strangers is often a difficult path too. It can be inefficient as well and it's also time consuming to leave home, look presentable, select a venue, seek IOIs/approach targets, and start conversations. A good portion of initial interactions will be conversational dead ends.
In general, social circle interactions are better options in the shorter to medium to for finding a girlfriend. This is most applicable for middle of the bell curve men. If you're looking for an extended relationship (1-5 years or more), your best bet for getting that with the least amount of grief and frustration is through a social circle. You won't have to do as many approaches in either non-bar venues or nightlife venues or take as many rejections. You won't have a miserable time on swipe apps.
Places of recreation can be good options and some hobbies might be beneficial as well (a part of places of recreation). Digging deeper leads to more debate on it. Some recreation options are better than others.
My thoughts on IOIs have evolved over time.
Generally speaking, you're correct that something is off and the individual man may/may not be responsible for a lack of IOIs.
Many men started to notice that IOIs were decreasing for them around the late 2000s/early 2010s (around the same time that the smartphone become popular). Around then, it started to become clear that Millennials (the young adult generation of that time) were not as socially savvy as previous generation and that women were getting immersed in their technologies. The Millennial generation had their formative years as a lot of new technologies were emerging. Now in 2024, we have 2 generations (Gen Y/Millennials and Gen Z) that have been raised in more digital worlds and have been less socially savvy. These less socially savvy Millennial and Gen Z are not as good at signaling interest to men.
Courtney Ryan had a video lately where she reacted to a Gen Z TikToker who had a difficult time signaling interest to a man in a coffee shop. The Gen Z TikToker is as attractive woman and she thought she was giving IOIs to a man. She removed her earbuds and tried to make solid eye contact with a guy. I consider this an example of how the younger generations are struggling with IOIs.
It is easier to approach with IOIs in place. It makes it more likely that the approach will be successful. However, with Millennial and Gen Z women being weaker at signaling interest, more and more men will find that they'll need to do approaches without IOIs.
I am a college educated White male who has primary been dealing with college educated White females since I graduated college.
A good portion of college educated women are bougie women. Not all, but there's a lot of overlap there.
Women with bachelor's degrees or higher (especially White women) do tend to have higher expectations in men.
IG model/influencer types also have higher expectations.
Both of those female groups tend to be heavily pursued. A lot of women with bachelor's degrees or higher tend to use swipe apps. Bumble seems to market to the educated white collar professional type female.
Down-to-earth women who are more genuine and higher interest level also have some baseline standards that they expect from men. Part of why they might "really dig you" is your money/possessions (at a base level) in combination with looks and personality.
You mention women who make more income than a man. Any woman who is higher income than a specific man will tend to be more difficult in longer term relationships, but could be a shorter term option for certain men. Higher income females often have numerous personality/attitude issues that aren't good in longer term relationships and might even be difficult in the short term.
Having your stuff together is going to help with some of the most attractive women. These are women with abundance of options in life. I agree with everything you said in this quote.