If I took your attitude to what you have written there I would simply say its your own fault - why don't you just pull yourself up by your bootstraps, cut back on luxuries, get a better paying job and move to a cheaper area, then maybe you could afford to eat out and go on holiday. I can afford those things because despite coming from a low income, working class background, I took some personal responsibility and bettered my life - there is absolutely no reason why you can't have done the same. It is obvious that the only reason you can't afford those things is because you haven't worked hard enough or you are spending your money of crap you don't need.
But I wouldn't do that because I understand the realities of life for a lot of people.
I also understand that while I have worked hard to get where I am (comfortable but not wealthy), a good chunk of it has been down to luck:
Being born to parents, who despite being working class, blue collar workers, were determined to give me the best chance possible, and brought me up with the expectation of aiming for university rather than following them into low wage manual work.
Being lucky enough to be bright enough to do well at school and get into uni,
Meeting my DH at 17 rather than in my 20's or 30's, him not wanting to work rather than go into further education, so being able to afford to buy a house together at 19 while I did go to uni,
Being in that position in 1999, a couple of years before the housing boom started,
Getting the job that I did in my gap year (by pure chance) which allowed me to continue to work part time while at uni and that job leading, again by chance, to my career which is completely different to my degree but turns out I have an amazing talent for and has allowed me to progress to senior positions
Being lucky enough that neither I, my DH or my children have any major health issues
The difference between me and you is that I acknowledge both my privilege and luck and refuse to punch down.
I want you to be able to afford a holiday and to eat out and afford a better car. I want a society that is fair enough that people can eat out occasionally or be able to afford a basic week away and a decent car. Although I have struggled at times in my life and had to go without things, I don't want other people to struggle just because I did.
If the inequality gap was smaller, if wealth was more evenly distributed, if we didn't live in a society that was designed to support the super-rich to hoard wealth while the majority slog day to day just to eke out a basic existence you would be able to afford to eat out more and go on holiday and people who needed the safety net of benefits would be able to get them without having to wear sack cloth and ashes and justify every penny they spend.