You're going to compare necessary tools that cost nothing over their lifetime to having things like retirement, cheap rent, benefits, and a strong job market?

You're going to compare necessary tools that cost nothing over their lifetime to having things like retirement, cheap rent, benefits, and a strong job market? "Life sucks sometimes" is also a thought terminating cliche, as such you should really avoid using it -- if you're actually trying to contribute to the discussion instead of sounding like a daft moron.