Well, that's an easy fix. Ask your employer to cut your salary to ~$20k-$30k. Tell them that you're going to be in the office at 7 on-the-dot, and he can write you up if you're 5 minutes early or late; you're going to be there for 8-10 hours, w/ a 30-minute lunch and two 15-minute breaks (again, write-ups for taking even a minute longer than alotted). Sell your car, get a used one (financed, of course), model year before 2012, 80k miles minimum; give the profit away (give away any savings you have, too; you can't access any of your retirement or investment accounts, either). Insist that any credit you have access to be cut severely and the rates jacked up. Sell anything you own other than your car that's worth more than $2k, give the money away. You are also now limited to going 20-30 minutes out of your way to the "good" grocery store, since you are moving to a food desert. Your mattress now comes in a box from Wal-Mart; get rid of any sleep or wake-up aids other than your cell phone. Hard mode: separate from your spouse, if you have one, and adopt as many kids as you need to get to 2 or 3.
People are not making poor individual choices. They are, collectively, subject to perverse incentives that are imposed by a regulatory-industrial complex that profits from the ill health they develop when behaving as might be expected of any normal human being of the past two centuries. Thank you for being frustrated at the state of the world; it means that you recognize that there are improvements to be made. First step: stop blaming the wrong people.