Well the fundamental issue you’re describing is that if you want a job, you have to be able to perform some sort of valuable function. Which you could rephrase as if you want to extract value from society, you need to be able to contribute value to it. There has never been a time when this was easier to do. If you want to compete for high value positions, you’re free to do so. If you want capital to invest in your skills, an essentially unlimited quantity of it is available to you. If you want to contribute a minimum level of value, you will only face a trivial level of competition for employment. If you want to contribute no value at all, the state will still provide for your welfare by taxing the value that everybody else provides.

You’re right that most of these pathways require some level of work, but that’s not a valid thing to complain about. Without the systems or society has established, it would require a lot more work, in return for much less reward, and the consequences of failing would actually be serious. There has never been a more prosperous time to live, and your complaint that you still have to do work and that people don’t value you as much as you think they should is frankly just whining. Our modern society doesn’t resemble a serfdom on any meaningful level, and no matter what system you think would be capable of improving things further, you’ll still have to confront the reality that there will always be people better at navigating it than you are.