Money not enough!!A Financial Karma

Living and staying in Malaysia, really is quite expensive.
Imagine only getting paid an average salary, with lots of debts, installments, family and personal expenses to support. Well, off course money not enough! Everyone will tell you they have the same problem.
The real issue is,
1) Our salary is till the same old days , I mean really old days as in 35 years ago. My Dad told me that his first job as a degree holder earns RM1500. Well comparatively 35 years ago, one cup of coffee is only like RM0.05 -RM0.10 while a plate of noodle is RM0.10-0.20 only (correct me if I am wrong lar). Now a new Uni Grad also is getting RM1500- Imagine the inflation rate. Why can't the government help to regulate the price according to basic needs and wants? So, who is suffering? We are.

2) EPF (Employee Provident Fund)- According to the statistics, because of inflation of around 5%/ year, the total amount that we had contribute into our EPF will not be sufficient for us when we are eligible to withdraw(at the age of 50 onwards). So after retirement all the hard working low paying income which had been contributed into the EPF, will only be able to sustain for 10 years only. So The rest of the years if you are still alive, you better think of what you are going to do. This was being told by one of the banking consultant by analysing the inflation rate and the return we get from our EPF.

3) Government still a mess. Still haven't finish sorted out their own mess and still have a lot of turmoil until today. Economic downturn, they also don't care. They only care about their seats and keep on accusing each other about scandals and shit likat that. People like us, earning on commision got affected, because majority of foreign investor had hold back their budget. And all the local suppliers were directly affected. So my money not enough.

So go back to square one. My theory and evaluation:

Previously
Income= daily expenses/debts/installments/household expenditure -> already not enough but manage to settle

Now
Income-=daily expenses/debts/installments/household expenditure->Not enough so swipe credit cards to tahan abit
Then become
(Credit Cards)Debts +Income= Daily expenses/installments/household expenditure/debts(again!!)

This is how it looks like (to have a better idea):

"I called it a financial Karma which will never end"

So, who is the winner? The banks!

I also don't know what to do? a few months more my babay is due, I still have no money for that.
Well, GH is a no no, as my wife's a foreigner.
Well, perhaps credit card again lor...more DEBTS...Shit, I hate this bloody country who is not people centred.

A NOTE: From what I realised. Majority Malaysian work their entire life paying only for two things which are cars and house.Am I right?