The problem is dating apps have skewed people's perceptions of reality. I also know women who use dating apps a lot, and they keep running into men who sleep with them once, then just ghost them.
So you end up with an image of reality where 'women only want the top 10% of men' and 'men just want to use women for sex then dump them'
We can all agree with the fact that dating apps are trash and a lot of people don't use them. OP asked for stories and suggestions that don't involve the apps yet everybody keeps mentioning them.
You're also thinking about this in terms of percentage and calculations when actually it has to do with standards. Nobody is entitled to having a partner. You actually have to work on yourself in order to find a relationship, let alone a friendship, and many are not willing to do that work or they don't see what the problem is so they are trying to fix the wrong thing.
I know a lot of men who aren't super attractive and wealthy who always have girlfriends. What they all have in common is that they have passions, rich inner lives, creativity, spirituality, compassion, etc. They have interests that they can share with women like music, art, literature etc. You'll rarely meet a creative mind and art lover who is an incel.
If you are very negative about yourself and the world and you are close minded and disinterested in a lot of things, it will be hard to find a relationship. Change comes from within.. if you open yourself up to new realities and get out of your comfort zone you might find a relationship.