The system is actually set up to help people get rich. Fortunes are made through risk and leverage. If you're an adult and not a literal jogger who buys every shiny object he wants, you have access to credit. Use the credit to take risks on things that will make you money. Live cheap, use every single buck to make more money.

When you get nicely into profit, pay off the credit and then get more credit. If you started with a credit card, go to a bank and get a personal loan,   etc. Increase your leverage, make profits, use the profits to pay off the debt, the difference between the two is free money.

If you make stupid decisions and lose 100 % of your money, there's bankruptcy, built right into the system, an easy legal process whereby your debts are wiped clean and you can start again. You can even write off losses on your taxes.

The problem is that the only way to make money involves risk. Most people don't want risk so they take a nice secure job that they hate, spend their entire life on an unhappy treadmill, and die old and poor, having wasted their one shot on earth.

Rich people know the possibility of that is what should keep you awake at night.

Risk and leverage.

Then you too can join the ranks of people who suffer massively to make it and then have to roll their eyes at cowardly poor people complaining about how life's so hard.