The OP has made his point, if your dady or mommy did not gave you something you are f...most of the people tried, risk and failed, some achieved something, but the fact is majority failed.
OP you are not alone in this crap, that how it is. No mather how hard you try, what you do in majority of cases you will fail. So, don't get a GF and have any children is my best advice.
It is how civilization goes down the drain, we have no people we have no nation and we have no wealth (a.k.a. Bankruptcy), and we are all heading to that direction.
Because you don't only need to work hard. You also need to work smart. You're most likely not going anywhere working your 9-5 job alone. Making smart decisions and starting a business or being an entrepreneur works.
When we are fighting each other for the sake of making that 1% of total money in circulation, I don't see being smart make much difference, being smart may get me to a higher position title, I'm still need to fight for that 1% total money in circulation. Being into business doesn't directly give me the luxury to enjoy the 99% wealth that the richest are enjoying. Basically there is no way to get out from this crap.
And as with loans, you don't need loans with every kind of business. I know a lot of people that started from the lower lower class(as in the lower class where they could barely afford to eat twice a day), and now? They're not like super rich, but they're decently wealthy financially. What did they do? Became entrepreneurs and created small businesses through their good ideas and smart decisions.
That may be true when competition are very low, but in a time like today, every business are very competitive, every competitive business are fighting for the same 1% wealth in the world, no doubt about many business failed almost immediately it get into the market, and it's how people getting themselves broke by involving themselves into speculative business.
Complaining and hoping harm for people isn't going to get you anywhere.
Also, complaining about banks and money? Isn't that one of the main reasons we have bitcoin?
Bitcoin are great, it has no doubt causing some panic to the elite, but it is not immune to the price manipulation by the wealthy, which is what the richest people doing everyday to make sure we are all poor. We need a wealth that cannot be manipulated by the means of future market or with money.
Especially one about working hard and you will be rich - its quite funny if you would tell this to some poor uneducated person in 3th world country. Actually same goes for United States - it is a country where American dream and social mobility doesn't work anymore so well ( look up book: Price of inequality by Stiglitz 
