Well I'm impressed that you at least have the capacity to see what the problem is and be so analytical about it, while a lot of people would just blame the government, the universe, or whoever dishes out bad luck.

You might find my recent piece 'Scrooge was misunderstood' a worthwhile read, because it's all about a happy balance, and you're at one end. He's at the other. Here’s the link, if you’re curious. https://medium.com/illumination-curated/scrooge-was-an-addict-misunderstood-9542293072ac