I believe it's on legendary atm

Start with a rich character

Just return it for a refund. Cash or store credit? Oh wait no, that would probably involve doing something unpleasant.

That requires in-app purchases.

Jump in front of a car of a rich person and hope to get good compensation

Purchase an item called a gun. Take it to any of the 'bank' locations and request all the money they have. That's usually lowers the difficulty quite a bit

lower your expectations

Kill yourself, see if you respawn somewhere easier.

Yep, be a litter kid again

Life is free to play, but pay to win

You probably messed up during character customization. Find your nearest doctor and get them to upgrade your face.

Yes, pick the determination and ambition traits in the character selection menu. Go to one of the many job locations, and select the quit bitching and worker harder mode.