12M Americans are not jobless. They are fully employed, with benefits, by our government, doing jack sheet.
Wage/productivity gap and various “get rich quick schemes” (Worshiping compound interest/low wages in exchange for high productivity with fiat paper) that create economic bubbles ended that so their is no incentive for a person to be a wage slave at $20 an hour even.
There are no short-cuts (All about those shareholders' value which is diminishing at present/interest) at all. Nurturing civilization is very tricky and the reason why an underground economy is emerging/grifters mimicking DC grifters because our current civilization is not being well managed at all.