Yes, this can certainly be a challenge. I'm fortunate enough to be both in a position that enabled me to drop to 80% and also being able to afford it.
I'm fully aware that not everyone has the same opportunity as I do, and I often try to remind myself of this and be grateful for my luck of being born in a safe and secure country, and on top of that... a white male which just by nature gives me privileges others were not born with.
I try and be grateful, I really do!