There is one workaround that is mostly underappreciated.

Invest your initial savings in acquiring valuable skills.

Valuable skills are those for which many companies desperately seek employees or consultants. The information is readily available: talk with HR consultants, government employment services, or your school/university.

Get certified and charge a premium for your time. By keeping their costs in check, people can easily quadruple their earnings and quickly reach their first $100,000.