I have a hard time feeling sorry for people who write such essays. You are clearly a talented writer. Are you unable to start some kind of a business and hustle for 14 hours a day?? Why do you have time to be here and not there?
Do you honestly think this person hasn't tried. And do you honestly believe that just because he spends his evenings on HN he's not a stand up person?
I will bluntly state that if you have the kind of writing talent that OP displayed, and you cannot afford a bicycle, you are simply not applying yourself.
That level of skill alone could easily net you $1500/month+ on various writing services (at an extremely conservative 2000 words/day * $0.03/word * 20 days/month). Nobody said it'd be fun or easy, but hey, you'd at least have a bicycle after you got paid.