It's certainly a rigged system, but (anecdote incoming) I know many people in situations such as you describe, and the most that the majority (not all) do about it is complain. I rarely see a true effort put forth to rectify or improve.

It's typically all about how the forces are aligned against them, so why even try. And yeah, I know, learned helplessness is a thing. I get it, trust me, I do, but still...