The hell it isn't asshat. I quit my job and started a graphic design and web development company on the very day in 9/2008 that the stock market fell 600+ points.
I have a family and a mortgage, am self-educated with a high-school diploma and a recovering alcoholic with 11 years sobriety. Although its been super tough, my business is still here, about to celebrate 2 years, and is growing.
Those who can't/don't make it are victims of life being life in a dog-eat-dog world. The fact that I am making it against all odds and statistics is a testament to the greatness of the US and the reality of the American Dream (which absolutely still exists).
Just because an individual (you or anyone else) in this country doesn't make it doesn't mean the system doesn't work - it means that individual was either in the wrong place at the wrong time and should try, try and try again until they make it, or they simply don't have what it takes to be competitive. Our society gives equal opportunity but that doesn't mean we're all capable.
Complaints about US capitalism shine brilliant light on an individual's inability, not the system's. It's called hard work and not giving up and it works out for the majority that play the game well. The alternatives (such as socialism) are worse in reality than in real life, thanks.
Social programs are good, Socialist Government experiments fail to provide the opportunity and innovation a system like ours creates. It may not be perfect, but it sure as hell is better than pretty much any other system out there so far.