It's about their support of policies that shit on the poor and middle class in favor of the wealthy. It's about them being totally out of touch. The horses and mansions and tax shelters are simply examples to demonstrate that. No one would care much about the extravagances if they did anything at all to support the "have-nots" and less fortunate.
It's perfectly possible for someone who has a lot of money to not be out of touch, and to support the poor and middle class. Therein lies the difference between the Romneys and the Obamas.
Let's also not forget that neither Barack nor Michelle were born into money. They only finished paying off their student loans within the last 10-12 years. They know what it's like to not have money. They grew up among those who also did not have money. And even now they are nowhere near as rich as the Romneys are. So they have not lost touch. But Romney was born into money and has never, ever known what it's like to not have it. (Well, except in college when he and Ann had to sell some of their stocks. 
)
Hell, it's even possible to be born into incredible wealth and still be in touch with the poor and middle class, and support good policies. FDR, anyone? So that makes the Romneys even worse: they choose not to care.
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