Beyond that, if you couldn't find a way, then it's just not your priority, ya know?
Russian blokes from mining towns can afford to travel third class on the Trans Siberian, what's your excuse?
And I'm sure we'd have fun too!
The opening of "It's A Wonderful Life" addresses this directly. It was undeniably George Bailey's priority, but even the "golden billion" aren't free from obligation(s).