I totally agree the system seems to penalize people who are almost making it, people who try hard to do everything they can. And in many ways rewards the lifers.
Sorry it effects you
PS I hate being broke too, but it is easier the less I think of being broke and the more I think of being creative, and proritizing my money. For example I can afford to eat out once in awhile, but I prioritze paying off the CC sonner (most of the time) Though I have a slight advantage, DH, sorry. So It isn't me truning down a fun night out cause I am broke it is me choosing not to spend it. I know it is a fine distinction ane sometimes to fine for me! but when it works I am happier, still broke, but happier.