You are just too narrow-minded, oops sorry, I mean tightly focused. Things will progress as they always do, when demand and creativity drive countless small steps of technological improvements and innovative breakthroughs that sidestep the narrow paths of obstacles that you see in the laws of physics. Perhaps someone will develop an inexpensive way to chemically release hydrogen power by direct sunlight, they are working on that. Perhaps someone will be able to cheaply store and release hydrogen chemically by photo/electrical trigger, they are working on that. LOL, maybe we will actually get compact cold fusion generators in our basements. Of course you would give us numbers that show there are not enough basements.
As to paying off credit card balances, I believe what works best is to get that good job you were pursing and then be able to get a low-interest loan to pay them all off at once. On the other hand perhaps you get an inheritance, win the lottery, marry someone wealthy,... You would probably quote odds against each of those, but all of those things DO HAPPEN. Most people are looking for career advancement of some kind, a lot of folks will be getting that inheritance as us boomers die off, and a lot of young folks, older ones too I suppose, are out there looking for a well-off spouse.
The thing is, the naysayers do not help, they just get in the way and make things that much harder for those who are looking for solutions.