Don't be an idiot.
I'm self employed now in my thirties after years, and years of hard work in a career that I picked because it was right in line with my passion and creativity.
Don't blame Joe or anyone else if you (and the masses) wasted your lives working shit jobs, accumulating debt in schools and partying when you could have been developing crafts, skills and the networks required to become a successful self employed entrepreneur.
No one holds anyone back more than themselves. If you don't know what you want to be, why you want to be it, let alone how to be it you need to wake up tomorrow and start to beat your head against the wall until the answers to those questions become clear.
Joe is 100% right. People don't have to choose failed lives, failed careers. You don't have to listen to shitty music, do drugs or commit crimes either. In fact, if you want to go out right now and become the best guitarist the world has ever seen, the best painter, the best writer, etc. Whatever it is. Nothing is stopping you. It doesn't take money to even get through these doors and if the initial fee does have $$ stamp on it it's not going to be much.
Buy a guitar, a pencil, camera or canvas and start shaping your life.