You can't judge someone solely on how nice the horse is. That's like backwards prejudice--because you have a nice horse, you must be a terrible rider.
I just got back from one of the biggest QH shows in the country (was 3rd largest, not sure where it ranked this year). I got one top 10 (HUS) and one championship (Eq) against some really, really nice QHs--$30,000 horses and plenty that were worth more than that. If you simply looked at those show results and the type of horses we're competing with, you'd probably assume the same.
However, let me tell you--I worked my tail off for that. I bought this horse 3 1/2 years ago for much less than the $30k you mentioned. In the 3 1/2 years I've owned him, I only paid for professional training for about three months (when I first bought him, as he was barely broke to ride). Even then, I went out nearly every day and rode him myself. Since then, I've done every bit of riding. I had lessons/help every now and then, but he hasn't been touched by a "professional" but one time in the last two years (and that was a five minute ride). He's never been shown by anyone but me. I ride every day, whether it's 100* or 30*, and if it's too muddy/wet at my barn to ride, I haul him myself to a local covered arena. I juggle a full time job to pay for him and give up a lot of luxuries in order to afford to do what I do. I don't pay for training or regular lessons anymore; I get help as I need it and just work harder on my own to compensate for what I can't afford. My mother doesn't cater to any whim; I was blessed to have a very supportive mother (who also enjoys riding), but I pay for every bit of my horse's expenses and even as a teenager I had to help pay for extras like shows (and the most I ever got in terms of lessons was once a week--never full training).
And yet I don't have a problem competing with people who have someone else around to do it for them. My youngest sister is one of those people. Her horse is in full training; my sister is barely allowed to ride her horse at the show until she goes in the class, because she might "mess it up." Do I think that's a little ridiculous? Yes, but it's not my problem. She's also not the rider that she could be if she spent more time riding, but that's her choice. She doesn't enjoy it like I do, or like others do.
I also know plenty of people who do pay "high" five digits for horses (and trailers, and trainers, and tack, etc.) and yet are out there as much as possible riding and working with the trainer to prepare for shows. They have the means to pay for more than I do, but that doesn't mean they don't work equally hard or appreciate what they have. Not everyone can afford to do it, but it doesn't mean there's something wrong if you do/can.
My point is--just having money and a nice horse (or a trainer to do all the work) doesn't mean that you can't ride or aren't willing to work. It may be that you simply want that luxury (and if you can afford it, go for it). If I could afford to pay for more coaching/help at shows, I would--just because I would relax a lot more. Or it may mean that you simply have other obligations. If you work a full time job or have demanding classes, you may not have time to ride daily. It doesn't mean you shouldn't enjoy showing. Yes, someone who never does anything for themselves will probably never really learn to ride well, but they also won't make it very far. If they're showing at the top level, you can bet that they know how to ride--no matter how much money they paid to get there.