First, it doesn't get you anything. No one ever complained about something and a bunch of people came to that person, willing to help and change the way things are in order to please him or her.
Second, it requires a lot of energy. You need to think about what you don't like, you need to talk to others about it, you need to invest energy into your arguments, otherwise people will think you're dumb, and you need to make sure others agree with you.
Complaining about anything in life will not change a single thing, and it will often just make everything worse. People don't like whiners, and they will avoid them at all cost. The only people you'll ever have around if you complain too much, will be those who hate the same things as you.
The problem is that the moment you're done hating one particular thing, if your new "friends" will still be unhappy with how things are, they will just leave you and find someone else they can talk with about how unfair life is.
Another reason why whining is a waste of time is that instead of working, instead of doing something about the problem and instead of actually trying to change things, you'll just spend too much time whining and crying instead of acting.
Not having money is not a great thing. However, no one ever got rich by complaining. No rich person out there shared their fortune with a random person just because they complained. If you want money, you have to work.
The fact that things are a lot harder these days, that you need a certain skill to actually make a significant amount of money or the fact that you don't have time to learn new things, that's no one's problems. Those are your problems and you need to figure out how to get over them.
I know all this because I used to be the guy constantly complaining about everything, and it got me nowhere. I wasted a lot of time putting the blame on others, telling people how bad society is and how things are the way they are because others are doing a poor job at making the world a better place.
But guess what - nothing changed no matter how much I talked. I just got some approval from people who had the same problems.
Things started changing the moment I stopped complaining and did something about my problems. I searched for solutions, I learned whatever I needed to learn to be able to do something and make progress and in a fairly short amount of time I got from not seeing a way out of the situation I was in to realizing there are more opportunities out there than I know what to do with them.
Learn how to be quiet for a second, look around you, stop complaining about how things are, find a way to do what you like the way you like it, learn whatever you need to get to that and then live the way you want.
Complaining doesn't get you anything.