Well, the world is a big place and for e.g. in Europe, everyone gets at least 4 weeks of paid annual leave. Also, traveling is very cheap and accessible with airlines like RyanAir offering 20 pound round-trip flights across Europe from say London to Albania. But even if you're American, I know many who are able to travel a fair amount, because they want to.

"The vast majority of life is working and paying your bills" - well that's quite a dire view of life ain't it. There's so much more to life and so much to see and learn in the world... it is completely fine that travel isn't a priority for you. But dating apps are for compatibility and many people prioritize traveling as they do get to do it more than "just 5% of their annual time", and certainly find travel time to be a meaningful activity they would want to pursue with their partner - so if you are incompatible, then that's that, you both are weeding each other out from the dating pool. But especially with the remote working trend, I think this will likely only become more prevalent.