Yep. & Aside from having cash to overcome unexpected expenses, making changes to reduce your cost of living or improve your financial situation often (not always) takes time, money, resources. E.g. moving house, finding a place to live with a kitchen to reduce food expenses, finding a better job...

  Everybody knows that the dice are loaded
  Everybody rolls with their fingers crossed
  Everybody knows the war is over
  Everybody knows the good guys lost
  Everybody knows the fight was fixed
  The poor stay poor, the rich get rich
  That's how it goes
  Everybody knows

- Leonard Cohen