When the cost of guns increases, buy ammo. When ammo is too expensive, buy training. When you can’t afford training, invest in practice. If you can’t afford range time, have no ammo, practice trigger control and getting into firing positions. If that’s not possible for some reason, put your time into physical exercise. That rifle will feel lighter and your heart rate would be low enough to permit accurate fire after a hundred yard dash.
Most of us have the “first world problem” — too much gear, less skill and even less practice with that skill. If you have skills and practice, teach them to others. Or practice working as a team with others. Not being able to get ammo is not an excuse to neglect the other component of making yourself into an effective fighter.
If you don’t have time…make time. Can you forgo TV, video games, something else inessential? If not, then perhaps being ready to stand off zombies, government troops or marauding ground hogs just isn’t a high enough priority for you.