We have done fine MIAMI DAP, no need to be sorry. I think $200k is pretty high income though. Average income in my town is in the 50k range. I think that is true in most places.
For a family with an income over $150k, Ivies are expensive. Ironically, as others have said, the “middle” group of families with high EFC’s who nevertheless have difficulty paying full price, may be "prudent’ to use public honors colleges.
Harvard may have 70% on financial aid (and 20% going for free) but the remaining 30% have the funds to pay full price.(The expanded financial aid initiative there was intended to help the middle class, up to that upper cut off of $150K.)
The only other alternative besides publis honros would be merit at privates that offer it.