1) Remove yourself from the system to whatever extent is practical. If you live in a cabin in the woods, grow your own food and generate your own power...there's little reason for you to be adversely affected by what anyone else does with money.
That requires both capital and a fairly broad skillset that most people (including urban poor) don't possess. You need money to buy tools, seeds, equipment, etc.--essentially anything that requires machines to produce. You also need the knowledge and ability to do the dozens of things necessary to survive on your own in the wilderness. You also need to find a section of uninhabited land that isn't a reserve and which can be purchased, unless you think that squatting on someone's land is a good idea. This all requires money, including money to get training in things like agriculture, (possibly) hunting, carpentry, construction, identifying plants both edible and poisonous, identifying venomous animals, etc., all of which costs money unless you want to risk your life on a daily basis figuring it out for yourself. In other words, in the modern world it requires a fairly substantial investment of time and money just to be able to live a hermit-like life away from population centers. So yeah, no dice for most people. Once again you're looking at this from the perspective of a "have", rather than a "have not".
2) Learn the system and work within it in such a way that the effect of money in your life is within your personal comfort zone. For example, if you're a millionaire, you're still affected by money...but the cons may be worth the pros. But it doesn't necessarily need to take that much money to be comfortable. A large portion of most people's income is spent supporting their work habit. Some people pay more taxes than they need to. Many people make bad financial decisions. It's possible to live comfortably on a modest income simply by making good choices.
True--
if you start from relatively stable financial conditions. In other words, you were raised in a middle class household, your basic needs were always provided for, you probably went to university and got your degree without an extreme amount of debt. In that sort of situation, then yes, you might be able to get by if you're careful with your money. Unless someone/company shits all over you in passing by making bad investments with your savings. And if you're starting off from a poverty-level household, even one that doesn't have a single parent or substance abuse problems? You'll have to struggle your whole life just to stay above water, unless you turn out to have some extraordinary talent. And at any level beyond super rich, if you fuck up at all, you're gone. So once again it looks like you're approaching this from the perspective of someone who was born into a stable financial situation, who never really had to worry about having food on their plate, who didn't need to worry about not being able to afford postsecondary education, etc.
2) There are high tech solutions that could make the entire situation irrelevant. Obvious example: somebody invent a star trek replicator and the whole problem goes away overnight.
So now you're pulling things out of your ass? We don't need magitek solutions--as it stands, we
could feed the entire human race if things were managed efficiently, with the primary concern being
feeding people instead of
maximizing profits. We have the resources to provide for virtually all of the basic needs of our entire species, but we don't because the people with the power to do so are too busy accumulating wealth for themselves.
And y'know what? If we
did get replicators/matter converters/free energy/whatever, it'd probably be snapped up by the people at the top and go the way of the electric tram lines in the US once the auto manufacturers got their claws into them, for the exact same sort of reason. The same reason, incidentally, that we're still so dependent on fossil fuels, the same reason that the financial system is allowed to continue driving over cliffs: because it's
profitable, and gathering more wealth is more important to most of the people at the top than human lives are.
"What's your preferred solution"? Some don't have that option. What then?
Birds that fly into wind turbines, whether through ignorance or lack of any other choice...get chopped into pieces.
People who engage in poor financial practices, whether through ignorance or lack of any other choice...suffer financial problems.
*shrug*
It is what it is. If you're too lazy, or too stupid to make good choices, you will suffer the consequences. And...even if you're smart and well intentioned and try your genuine absolute best and work really hard, but make poor choices anyway through no fault of your own...you'll still suffer the consequences. If doesn't matter if those poor choices are destroying yourself with money or destroying yourself by failing to move out of the way of an oncoming car or flying into a wind turbine. Physics is physics. Power is power.
I see no value in whining about it. If you wish to whine and complain and blame your misfortune on others, you don't need my permission.
You're completely ignoring the point. Most people who are crippled by our socio-economic system aren't being harmed because they're making bad decisions, but because the system is rigged in favor of the wealthy. Your attitude towards this is honestly rather disgusting, dismissing most of the human race as lazy and stupid because they didn't have the fortune to be born rich. People like you can keep looking down on everyone else from your golden towers, sneering at the inferior,
subhuman morons, but every now and then people manage to scale those walls and throw the powerful to their deaths. Sadly, it is a cyclical model rather than a linear one, but at least we occasionally have the satisfaction of seeing those who abuse their power succumb to their own arrogance.
tl;dr: Randians and social darwinists can all go die in fires. Metaphorical ones, of course.