You find often people in very down who got use to with Critical situation and waited too long the most dangerous thing is the slow falling more down and down when you get use to with lower life standards lower health or wealth that's the most dangerous thing when you get use to with bad things, also people now kind of getting use to with wars too and that's bad seek always for better things otherwise you end up in situation like BAD life is normal.
I only comment on a small number of discussions that you wrote and from what I see our ability is very important in choosing the best decision regarding finances. Giving up is not a solution even though we face a much worse life, the problem of economic crisis, inflation and so on occurs even before we are born but how someone can face these challenges that need to be passed and the ability to see solutions in the midst of conditions like this is needed.
Bad things will happen in life, starting from losing a job, illness, natural disasters that can affect our source of income at work. In that capacity we are required to be able to solve problems not to give up on the situation. Look for opportunities to make money and then make a portion for investment or building a small business to increase income for the better.