stop watching the fear news.
no, it isn’t except in very specific places used by media to play on the fears of those who don’t live in socal. the beverly hills station is used commonly as an example but is an insane outlier that we all joke about. gas in my extremely expensive city is under $5 for premium, even now.
here’s gasbuddy for my zip today (premium fuel):

that’s the absolute highest time-of-use rate. with solar, my electricity bill is two digits even in the heat of summer with central air. all my utilities combined are under $300 a month. in a *crazy expensive city*
here are the actual edison time-of-use rates for one of the plan options. a little planning and some solar helps a ton

yep, property taxes are high, but they’re also not crazy compared to many other places.1.25%
with comprehensive and uninsured motorist coverage on deep into six-digits worth of cars, i pay about $2200 a year in insurance. pretty manageable
no, you do not.
your media diet is leaking out.