Credit cards aren't a fixed cost. Spend less.
The US has made the correct choice for the last 250 years, I hope people like you aren't able to derail it.
This strategy works so long as you're in the group of people who do indeed have "more resources," but breaks down if you're marginalized in any way, or if you don't want to support the exploitative system.
Also I'm open to critiques of capitalism, but the post I replied to didn't contain one.