If it really boils down to this, how can one fight back?

Historically? Guillotines in the village square, and/or Molotovs through the front windows of the overlords’ house. The rich learned a long time ago that when no other recourse is left, people will eventually turn to violence. And they learned that keeping the poors placated is a matter of life or death. Because money and fame won’t stop an angry mob, and even trained soldiers will get overwhelmed by sheer crowd size.

I believe Sun Tsu wrote something applicable in The Art of War, along the lines of “Always leave a surrounded army a way out. Show them a way to life so they will not be compelled to fight to the death. Because even an exhausted army will fight to the death if they have no other option.” So the rich and powerful set up systems that are heavily skewed in the rich’s favor, but at least attempt to appear fair on the surface. They set up a visible “way to life” so that people could at least feel like they had a viable way of fighting back without resorting to violence.

But recently, the rich and powerful seem to have forgotten that, and have dropped all pretext of fairness. Now it’s just blatant “you’re going to be killed and there’s nothing you can do about it.” Which means that the people are eventually going to be forced to fight to the death, because they’re cornered and see no other option. And I genuinely believe that if things carry on this same trajectory that people will turn to violence as a means of recourse, because it’s quickly becoming the only effective recourse that is within reach.