I’m also not even sure what you’re complaining about. It’s really easy for me to wonder, “how people do it” when I’m buried in medical bills and my spouse’s student loans. Do other not have these same things? Do people have family money or help that isn’t obvious and why can’t I have those things?
It’s kind of unbelievable to see the top comment is someone complaining about how this is a thing when they literally have no way to see how it could be.