Regarding #1, “Hashem promises anyone etc…”
There is no such promise. Do not speak for Hashem or make things up.
Re#2, Your words are taken out of thin air.
You are not a Navi . You do not know why things happen, nor how to rectify them. Every Yid can make their own cheshbon hanefedh and increase their Torah and Mitzvos.
The economy is not bad. One bank tanked.
Yidden do not bow down to money. But we all realize the need for parnassa which allows us to support our families and communities.
Re: 3, True emunah and bitachon is hard, but does not take 30 years .
It takes constant daily repetition and living with Hashem and Tefillah.
Hashem has many ways to wake up Yidden. We pray that he always does it by giving us extra good , so that we experience tremendous gratitude to Him that leads to closeness and love of Him.