Complaining will not solve the problem because life needs to be prepared well so that it can develop further and now the worsening economic conditions will force people to think smarter in making money. If we do not have the ability to solve problems in the current economic conditions, then our lives will continue to be forced to be under pressure which will eventually make it difficult to meet decent living expenses.
Find more sources of income even if you have to work harder with a higher portion of hours because that way we can make more money. When the money we earn is enough, then take steps to build a business or investment so that we can be better in living life.
I think complaining will still work on some occasions but most of the time, not, it is because people always complain and instead of solving the issue, it only makes it worse. Preparation in life is possible but there is also scenarios that just can't be avoided, making us still experience a difficulty. Worse economic conditions are not new, especially to those who aged well already but there are just people who seem impossible to correct their attitudes. As you said, a decent living expense must be the standard or the minimum, so it must be okay to have one or two sources of income only but it's a different story anymore if we want to get rich.