That's your own spin on both the nature of humanity (as you have probably experienced it), and on your understanding of what Jesus is saying. In contradistinction to your apparently dichotomous thinking and interpretation, I think in terms of contexts and continuums. For instance, while Jesus said to the Rich Young Ruler "give up all you have," to His disciples (which the Rich Guy wasn't), Jesus said "Lend to your enemies and to your neighbors, expecting nothing back." He didn't say to His disciples, "just hand over all your cash to the people of the world and shut the heck up--I have Spoken!"
I'm sorry that life for some people is really tough. However, I can understand some level of the difficulty since I had to deal with a severely mentally ill mother while growing up as a boy, with relatives (none Christian) who didn't understand or didn't give hoot. This problem not only affected the mental health of my dad, my sister and myself, as well as damage our social connections in the world, it also apparently became a constant and deep drain upon what money my dad--the only one working, really--could scrape together to feed us kids and to attempt to care for my mother with all of her problems that were going on. And it all really sucked, and for a very long time. I'm talking about this as it reflects a couple of decades of time here.
So, I do understand some of the complications of the social world, such as it is. But with all that said, when I became a Christian at 17, and essentially read the Bible for the first time in my life, even then, I could see that Jesus wasn't saying that we each had to deprecate ourselves in such a way that we become useless to ourselves and to our own families and neighbors. At that time, "taking up my cross" meant for me to help my family as best I could, even with what very little resources--educationally, financially and socially speaking--I had.