> Now at some point, the humans involved in handing out currency decided that too many people were living too nicely.
The origins of currency are mysterious. There were certainly some number of kings and tribal chiefs who minted coins and handed them out, mostly I think to soldiers. There were also traders using whatever coins and other small valuable objects. But I don't think anybody decided anything, except when messing around with taxes. I suppose company scrip comes closest to this vision, where your lack of money is determined by the mastermind who also creates it and hands it out and decides everybody's roles. That or communism. Generally no, it's not a rigged game, it's a messy brawl.
I disagree with the commenter that your replied to directly, who seems to believe the world is a zero-sum game. However it's also naive to believe that the game is not rigged, and that those who complain simply lack creativity.
In a healthy society, choosing to work to serve others 40 hours a week, should afford you the ability to acquire enough capital to buy a small house and start a family after 10 years. Unfortunately, this is now unachievable in many parts of the world.