This is where you are wrong.
Anyone in the western world workforce has the opportunity or chances to change that. This is not a privilege. And certainly not luck.
I agree that for many, $200 a month is significant. That's why I'm saying - don't try to save $5, try to MAKE $5 (and much more).
There are so many ways to make money these days, you don't even need "proper" education, luck, access, none of that.
But you do need mindset and will. Most people choose to be complacent. Their mind doesn't see beyond the 9-5, beyond the concept of being a mere employee. They rather spend hours per day watching dumb Netflix content, Twitch crap, gaming, whatever it is that people do other than GROW. Just about anyone can spend a few days watching Youtube and teaching themselves the ins and outs of such things as Facebook ads, Shopify, Dropshipping, Social media management, and of course... Clickfunnels. Anyone can pick this up. You don't need to be a PhD or CS major. In fact, those are often times a hindrance. IF people only spent half the time they waste on Twitch with consuming actual knowledge - they would not care if a Starbucks cup was $5, or $50.