Sure, I agree the system is broken, but I am not sure if that will ever change, even if you attempt to organize some type of violent revolution.

As a result, you can only make the rational choices offered to you by the system, despite the system being deeply irrational.

That's why my gf and I rent a small place with the best roommates we can find, we don't have plans for kids, and we paid off student loans as quickly as possible and continue trying to increase our earning potential in tech