Well there is ALWAYS pessimistic and optimistic view on everything. But I do not mean naive or stupid. I mean optimistic.

Pessimist: "It makes no sense to improve my situation, because I will fail! I will not even try." Stupid: "Things are not bad. Nothing to change here." Naive: "Things will fix themselves." Optimist: "Well things may be bad, but we can, and we will fix them."

So to answer your concrete questions:

• unhabitable planet: lets vote for green parties, lets push for green energy. Results will not be immediate, but we will get there. Yes it will get hotter a few degrees and will cause some weather problems. But we can fix it.
• fascist government: Vote for better, join movement. Or if things are really extreme in your country. Move to a democracy.
• money problems: you can change your job. Yes it can be very hard, but If you really try (improve your cv, reeducate yourself, change profession) you can get really good jobs. You can learn sales and be really good salesman with very high pay without ever going to college.
• social issues: go out, meet new people, join some class, start a hobby.

Yes I know mentioned things can be awfully hard to achieve. Buy you can achieve them. One by one. As to why bother? You do not have to. But that is the beauty of it. You can try to improve things as many times as you want. It will be hard, but things can be way better.

If nothing else I would bother to fix my life (and the world) just for the sake of curiosity. To see how good can life actually get.