You are not simply to blame for not “accomplishing” not even making a decent living. The social structure does not facilitate it. It could, if established by the few sensible ones. It isn’t.
And for one thing: That’s why we have and need change and hope it will be in the right direction and work for that.
Our most horrendous blunder nowadays is unemployment. Not only is this a curse to everybody seeking a job and everybody who has one and is afraid to speak his mind lest he be fired (into unemployment) but unemployment is also the cause of inflation ( while Greenspan and Ford believe we have to lick inflation first before solving employment).