Every capitalist society trends towards this, as too do all other forms of society as well. Also remember that in the Western world, even someone who is next to outright homeless can have a better life than something like 90% of people around the globe - the water from most streams is safe to drink (unlike many places in Africa and South America), there are currently no missiles raining down from the sky (unlike Ukraine), if you have friends or family that you can stay with there is a good chance that someone can make room for you (unlike super crowded places where there are already ~20 families in a small household - and at the risk of repeating myself, yes I meant families there, not just people), plus with a mere handful of dollars we can get treatments for diseases that even Kings and Pharos of the past who were considered to be literal gods could not.

So it is a spectrum where we are not as well off as we used to be a few decades ago, but are still doing well globally speaking. The problem is that we are changing, so not yet used to there being such rigid divisions between "classes" of people as now exist, so people still talk as if mere hard work is all that is required to deal with it. And they aren't even fully wrong, bc that really is a part of it, though there is a significantly higher uphill battle than there used to be.

Just do your best - what else could you possibly do even? - and also remember that kinder people are happier people, and that is literally something that no amount of money can buy:-D.