The answer to fiat theft is not “well it’s not so bad. If you work super hard you can make it like my plumber friend”. The answer is to stop getting your time and money stolen by the system. Work ethic is not the root cause of the problem
Actually I think one of the root causes is higher education--people go to college, get a degree, and then expect to earn a decent income. If you're a "gender studies" major are you really expecting to graduate and earn a 6 figure income? Who will pay you for that knowledge? And frankly, all a degree gets you (in almost all cases) is a "job" working for someone else--and yes, that means you'll likely just have to "settle" for being comfortable, working in a cube farm somewhere.