Condition Of Hajj Getting Farz
The answer is already given. Your assest is not your savings. It is a means of production for your income. When you have enough savings, then you may perform Hajj. God has not made one responsible beyond one’s means. Deen is easy.
2: 185 يُرِيدُ اللَّهُ بِكُمُ الْيُسْرَ وَلَا يُرِيدُ بِكُمُ الْعُسْرَ