Part of your question is missing.
If I got it right then, then your not the only one with financial issues. Mots people these days are going through similar problems unless you happen to be the 1% filthy rich. IN which case you wouldn't be wasting time online, as you'd probably be counting your millions which you most probably siphoned out of the system.
The capitalist system has le us all down, read my hub on this system and its alternatives. We need to change the current system from being "Me..mmmmeeemmee" thinking to "Me and the Society". In which case I would be always aware of my actions and how they would affect the society that I live in.
Making hopefully a better world rather than a selfish one.