The number one reason why depression is exist in people's life : financial. You damn right money is cruel (this for all people's class : upper, middle, lower). Up until now there's no answers to that problem. Well there is, call financial planner.. but again, not all people have the skill to plan their financial. Ofc there's such people to help us with that. But for that you need to spend some to get people's who help with that ,and finding some money to pay people help us to plan our financial is hard. And therefore we stuck in this hell loop of financial problem.