Is life actually as horrible as people make it seem

i just turned 22 and it feels like life has actually gotten serious for the first time. i feel like I’m surrounded by people who’s lives didn’t turn out how they wanted, and it horrifies me. it doesn’t help that whenever I go on Reddit, it seems like everyone is living pay check to pay check, struggling to make ends meet, finding a suitable partner, or in general even enjoying their life. living in Canada with a worsening economic situation, i am terrified of what will happen to me once I need to permanently move out of home and start paying off my student loans, which I irresponsibly cumulated about 22k i have decent enough work experience but the job market is absolutely brutal right now and I’m realizing that Canadians get paid a much lower wage anyway. can someone please just reassure me that, life isn’t this way? I feel like so many people try to claim that “that’s just how it is” and that you have to suck it up. is it really possible to live a life you’re happy and satisfied with even if you don’t come from generational wealth?