Yep, you strike me to be the gullible type that would believe you can borrow your way to prosperity. If you are aware of a trap and you step in it anyways, what does that say about you? You just need to quit making excuses and go DO something. OH! and grow up.
This isn't about you or me. This is the fact that the system is rigged to produce a dispensable workforce to carry out the aspirations of profiteers. I've never once borrow money (except student loans) and vowed off credit cards at 14. You keep thinking in the narrow terms of those on this message board. What's really going on is outside the people participating in this message board. That society operates on principles of inheritance and who you know and then we are told we live in a society based on merit. The left hand doesn't know what the right is doing. Although hard work transports a few people to success, most successful people get that way because of where they were born and who they know. This flies in the face of our ideals of hard work and merit.
The only thing rigged is your thought processes. It is your responsibility, and no one elses responsibility, to ensure your continued viability in the work force. There is no system designed to make you, or anyone else, a good life, a good job, or wealth. You have to go out and get it yourself.
Quit making excuses for failure, since that only generates more failure. There is no system stopping you from obtaining more education or obtaining more skills. Flip burgers in the daytime, and work on skills and education at night. Or, vise versa. Many successful people have done just that.
I graduated from high school in 1959, with no skills, no money, and in a small town with few opportunities for a good life. I visited the Navy recruiter, and I haven't been broke since. I have returned to that small town many times, to find that few of my classmates ever got anywhere. I wasn't special, nor did I graduate anywhere near the top of the class. The only difference was that I took the bull by the horns and went looking for a life, most of the others didn't.