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.
I myself think complaining is not a wrong thing, because sometimes we ourselves must feel tired and you know the feeling of mental or inner tiredness is different from physical tiredness. When I feel tired of the situation that makes my soul tired I complain by venting on something and I think that is a natural thing, we know that complaining will not change the situation for the better but there are times when we need time to vent our emotions and the goal is to minimize thoughts that are almost or even stressed. When the economy is unstable it is possible that it will burden our minds, and complaining will not change the situation for the better. In a situation like this we must take action or take steps to improve the situation, although there is another option, namely giving up, but that is not something that is recommended to take better steps, of course it cannot be done when our situation is unstable, therefore I say complaining occasionally is not a mistake.