Why is it so difficult for people to save money now?
It's simple, society doesn't want and can't allow everyone to have money. For example:
If everyone had one million, even with a large deposit in the bank, the annual interest would be over thirty thousand, and a monthly income of nearly three thousand. The interest alone would be enough for a low-desire lifestyle, so no one would work hard and labor like oxen.
Moreover, if 100 people had a total deposit of one hundred million, for the bank, it would be better to let one person have one hundred million and the other 99 have zero than to have each person with one hundred thousand.
Because if 100 people deposited one hundred thousand each, the bank would be losing money, or at most could only have a negative interest rate. However, if one person deposits one hundred million, the bank can lend that one hundred million to the remaining 99 poor people, allowing the bank to make a profit.
Therefore, no matter what type of country it is, they will use some means to consume the labor surplus of ordinary people.
In the United States, there are now high medical costs and consumerism, while domestically, there are high housing prices and capital washing consumption... So if you want to become a wealthy capitalist, the original accumulation of wealth is very difficult, because that is a competition for limited resources, which is contrary to the consumption of labor surplus in society.