The vast majority of people who pay(ed) for actually pretty much everything are all dead. Because the reason for our exorbitant productivity in all sectors producing the essentials for live (compared with a base level thousands of years ago) is accumulated knowledge, culture and tools created by people long dead.
So relax, the expenses have long been paid. We are enjoying the inheritance mostly - and network effects of a huge human network in space and in time (that's the larger part). Let us use those network effects - they are not attributable to individuals. Nobody is taking anything away from you since you are not responsible in any way for those network effects. Nobody individually is, we are just darn lucky. People who sit in central network positions even more so, they can control and create A LOT of wealth - by controlling the human network. Which they did not create - just filling positions is not "creating the network". The idea and the culture where all developed by all of us (and the dead), and the state and the laws provide the structure that support it all.
Your productivity is the way it is because yo benefit from your location in this network! If you want to see what you alone can achieve go alone into the forest. Don't take any tools with you, even a hammer is high tech (steel!).
About "network effects": Compare what a million unconnected humans could achieve (a million mud huts? a million basic stone tools?) with the network output.