First you suggest that taking out loans when you've fallen on hard times is a good solution, as if that wouldn't just trap you in a neverending whirlwind of debt, then you use a personal anecdote about receiving gifts when you needed them to imply there's not a problem with how our society functions.

It doesn't take much reflection to realize your views come from a place of extreme privilege. Are you living under a rock or are you incapable of empathizing with others?