I feel like we're all stuck in a movie where all the rich people live on some kind of floating island or satellite with everything they need to live well, and all of us have zero chance of going there
I have seen a few of these with similar story lines and realized we are living it right now. They have the best healthcare, the best food, the best everything and most of us are a few dollars from disaster. That scares some of us to death literally from all the stress it causes.
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Folks aren't even able to get out of debt. Considering debt generally has a higher interest rate than savings, folks are even held back from saving. OP even mentioned that straight out. If you're a disaster away from destitution, you aren't investing money. Money years from now isn't worth more than money today when your bills are due today.
Totally, debt stifles saving. All rich people are alike; each poor person is poor in their own way, or something.