Yes. Earning moneys here are hard. I never had something bigger than transport, any liners too. However, it doesn't saddens me very much... sometimes. I'm not able to earn very much credits per week, since I'm able to log in Freelancer for two days per week (don't forget that sometimes there are days when I just can't go ingame), so dreams about big capital is only dreams and there's no chances I'll get one.
Selfish capitalism was discussed here before and Q_Qing won't change anything. Just try to ignore all stuffs which is bad. At least it helped in Soviets.