> why do people living that reality overwhelmingly disagree

Because a hard life feels harder when prices rise. If you're at the bottom of the wage statistics, even a large increase in salary (eg. 20%) will still leave you struggling day to day, before inflation in your costs.

> Official numbers were 10% but literally everything went up at least 20%

Inflation numbers consider a wide variety of things. It's probably at least partially the reality that the necessities are rising faster than discretionary purchases. As an example, iPhones are "cheaper" today accounting for inflation since Apple hasn't raised prices much, especially on the high end. Obviously the poorest X% of people aren't buying new iPhones, so they don't get those savings.

Anecdotally, my grocery bill for packaged goods has risen dramatically, while my produce costs are flat. I'm a vegetarian so IDK about meat costs. My utilities have risen, my housing costs have risen, and my subscription prices have risen. Meanwhile, most of my other non-travel spending (eg. home goods like towels, electronics, etc) is pretty flat for years.

Ingredients household here. My grocery bill doubled in 7 years without any packages of anything.

Largest increase has been on every fresh food item grown in our many greenhouses. Such as lettuce (increased 200% from ~1 to ~3 for iceberg lettuce) and tomatoes.

I keep a decent memory of pricing at multiple stores and can agree with part of your comment, packaged food got it worse.

Edit: Ontario Canada