That sounds like a profound statement of the blindingly obvious, but consider it for a moment. For an average household, a piece of completely legal cyberware can consume most of the yearly budget, even on an installment plan.
Chipjacks and datajacks, at 1,000

Cybereyes are likely the second-most common implant after datajacks with middle-class or higher families. At 5,000

Cyberears and basic communications gear (Rating 1) are also handy features that your basic middle-class family might find worthwhile.
But consider cyberlimbs. Unless you get a BIG insurance settlement following a horrible accident, buying even the most basic, unadorned, obvious cyberlimb costs 75,000

Unless you're part of a megacorp or national military, a cyberlimb is a sign that you're probably richer than shite, into something illegal, or both.
Bioware is generally too expensive for the general populace, but also more attractive. Aside from cosmetic bioware, you can get very basic upgrades that feel completely natural after installation: basic synthacardium, extended volume, and symbiotes. Maybe not the high-level stuff, but more than enough for Jane Average.
Transplant surgery negates the need for most bioware as well. Why pay out 15,000

Outside of price, you'll notice that most of the low-end cyberware and implants are totally invisible once the sutures heal. Sure, you can see Little Jimmy's datajack, or the tinted cybereyes, or even the tuffs of hair he had implanted on his ears, but you can't see his synthacardium, fingertip compartment, or the low-light mods or retinal clock he put in. Yeah, Linebacker Timmy has pretty obvious dermal armor (Man, look at him take those hits!) but the boosted reflexes will surprise you (Look at that kid go!)
The most important thing to consider about your average joe with cyberware is that they feel subtly superhuman. Buy your kid a math SPU and watch them speed through their Calculus classes, sure; but take a look at someone living with a spacial recognizer, thermographic vision, or a basic mnemonic enhancer. Shadowrunners take these augmentations for granted, but most of them pull down more in a single job than middle-class families do in a year.