I wouldn't say they were rich (= in my opinion they are not rich).

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kadioguy

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I wouldn't say they were rich (= in my opinion they are not rich).
https://www.oxfordlearnersdictionaries.com/definition/american_english/say_1
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I think that "were" is used because it is in the subjunctive mood. However, I would say that "are" is also okay/possible here. What do you think?

[Update: added ChatGPT's opinion]
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It's not a subjunctive. We call this phenomenon backshifting. You can read a thorough discussion of it here:

 
We generally discourage learners from taking advice from AI (such as ChatGPT). Some other forums actually summarily delete any posts containing such content. We haven't reached that point (yet).
 
It's silly.

I also don't understand why the writer gives backshifted alternatives forms and not for others that are possible. However, we are straying too far from the original question.
 
Yeah, but a friend told me that backshifting here [in the original sentence] is because of the sequence of tenses [i.e., wouldn't so were], not because of the reported speech. :)
 
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Did your friend tell you why backshifting is not obligatory in that sentence?
 
Did your friend tell you why backshifting is not obligatory in that sentence?
Well, no, but I had learned that from all of you here. :)
 
You didn't learn it from jutfrank (post 7) or me.
 
You didn't learn it from jutfrank (post 7) or me.
Well, I asked that in post #6, and jutfrank answered me in post #7, so I think I learned it here. :)
 
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