Most people, by the time they are adults, have learned that they aren't capable of changing the world and they give up trying.

Elon Musk never learnt that lesson. He tries to solve every problem - battery farms in AUS, submersables to save kids trapped in a cave in Thailand, rockets to get to the moon, electric vehicles, fast Internet from anywhere, etc, etc. He believes in himself.

I suspect that if you keep believing in yourself, and you care enough about something, then you will work it out, and you will put in the effort, and you can indeed change the world.

You don't have to do it with $$$. Nostr devs are changing the world right now with code.