I am a landscaper and my wife is a part time substitute teacher, we are exactly middle class, we visited Mount Holyoke in my pick up truck with 158,000 miles. Mount Holyoke was the best option for my daughter, about $2,000 more than U-Mass. But I am sympathetic to the OP. Money does matter a lot more than most college lead you to believe. I had the same feelings when my daughter got wait listed at Skidmore and her stats suggested it was almost a safety. We felt she lost out at some schools to athletes or full pay students when she clearly had better academic qualifications. In your case, you may lose out to a foreign student in place in our case an athlete or rich kid, and that does suck, and no one can tell you for certain that is not the case. Mount Holyoke did not come to our public high school in Eastern MA, and at the full day open house they did make note that they go around the world recruiting students. That being said, among the most selective colleges in the country, only UCLA has more middle class and lower income students that Mount Holyoke. Peer schools Colby and Kenyon are in the top 10 worst for having the fewest percent of lower and middle class students. Middlebury is also in the top ten worst, and they claim to be need blind.
To the OP, I’m rooting for you, I see a lot of myself in your post, you don’t give up, and that will serve you well. You have two choices, you can complain, or set high goals and persevere. I’m like you, I complain, then set high goals and persevere.