There has never been a more true statement than "It takes money to make money" in the last 50 years.  Borrowing and low wages prevent members of the lower class from investing in assets that hold their own against inflation.  

The main factor at play is carrying value through time.  The silent tax of inflation means you cannot simply save in a fiat currency like USD and expect to have a better financial future.  Real estate and the stock market have helped to combat this, holding value while fiats are devalued by irrational government choices.  These two vehicles have a high barrier of entry and results in them mostly being a vehicle for individuals who already have some wealth.

New fee-less investment applications have helped make the stock market accessible to individuals, but there is still a skill to investment risk and returns.  

Bitcoin is another means to help achieve a better financial ends and is accessible to almost everyone.  There is still a learning curve, but it's well worth the time investment and gives new perspective on saving.  Bitcoin is the best means on the planet at the moment for saving wealth in small increments.  Savings accounts need to transcend distance and time, and bitcoin does both!