The AC isn't on the generator, but the air movers are, and the refrigerators and the sump pumps, kitchen lines for a toaster over, and a line n the garage so my elderly relatives can start the snow blower if I'm not home, some other water pumps. I'm not lecturing, although since you can't be bothered to read what I wrote about having to design for the surge load or the generator stalls, because I not being the genius that you apparently are, can't tell in advance when the power is going to go out and have everything turned off before the generator tries to start up.
Given that the generator keeps my house from flooding in long heavy rains, my pipes from freeze because I don't have heat in the winter, or the food from going bad during a rolling summer blackout. I would say that most people can't afford *not* to have plans for backup power. If you live somewhere that the power goes out a lot in bad weather this isn't "luxury" for the rich, its called a cheap investment to avoid much higher weather related losses