I like how you brought up problems of affluence instead of "the husband is broke as a joke, and can barely pay the rent, let alone afford a diamond". Different women want different problems!
I could probably buy one, but since I feel like they are worthless, I'm not sure I'd ever buy a woman a diamond, or any particularly expensive rock... it would have to look pretty cool for me to pay for it. This is why my proposals will all get rejected; because I'd rather buy a giant rough emerald that looks like it came from an alien spaceship- and then put that on a tiny ring and try and give that to her. I'm sure diamonds are supposed to symbolize something in some tradition, but they just look expensive to me.
A lot of times men don't really get a say in what they do or where they live, so it isn't much different. We can only do our best to find the most economic situation as possible- while seeking the Lord. Even if we get exactly what we think we want, there's no guarantee we will keep it, so we have to be flexible on that too.