Sounds like buyers remorse, not that you were swindled.
You wanted "access to a wider range of consumer goods and services" you got that access. Now that you want to save money instead means that you just changed your mind... again.
I hope you apply the same logic to the homeless that move into your local parks and community areas. They are just trying to seek economic advantage, wealthy people have more money to give. It normal to strive for maximum return on minimal output.
Having a newborn isn't a task put against you. You elected for it. Don't perpetuate the idea that some credit is owed to parents as if it's not a year long vacation.
I am small troll A suing company B. I lose, judge orders that troll A pay all the legal fees. I don't have the money, I file bankruptcy, I flee the country.
Lawyers still want to get paid. I doubt any legal team will just chase some random around into collections because "loser pays"
>employer has already refused to invest in you, no?
Obviously you are omitting the myriad of cases that an employer would like to invest in you but can't (yet) from your statement. Plenty of things like a lack of funding, individual ability, market timing, etc. prevents them from investing in you.
If I was waiting for the cash flow to move someone from A to B, and was working diligently to do so, to then have them state they are looking elsewhere for the B position, I would clearly re-evaluate my candidate selection as they may be gone by the time I get the opportunity to promote.