How can 7 billion people work hard when there is no guarantee of a good, ethical, paying job available?

We each decide our own budgets and can choose to remain employees spending every cent we can lay our hands on and get in debt to spend more or not. In the same city you will find people living on $20K and others not saving a cent on $60K claiming they can't. What they mean is they don't want to do what it takes. Giving up things like owning a car under 7 years old or taking a bus to work is not fun so they don't want to do it. Living without cable tv, latest fashion, cell phones or other luxuries they claim they can't. The person living on $20 has decided that is all they are willing to earn or maybe they are handicapped so they can't earn more. If someone were making that they would need to do something to change it like learning a job skill or personal skills. After 20 years in the workforce most of us have earned promotions taken cles and learned on the job so we are making twice what the beginner makes. We can save half or so for our future.