Most people have these choices available, but they refuse to make them.
It is not lack of ability, it is addiction to the "power of more", and the allure of "getting ahead."
Really? You're "ahead" when you have $200+/month of cable and cell phone bills? $2,500/year for.... what? So you can post pictures of your cat on Facebook?
And that's just the start. I can go down the list, but won't bother because it is exactly what you're putting forward -- that its "so hard" -- that is part and parcel of the big lie.
Until you stop lying to yourself you will make no progress.
----------
"Perhaps you can keep things together and advance playing DIE games.
Or perhaps the truth is that white men w/IQs >= 115 or so built all of it and without us it will collapse."