That just sounds like people are extraordinarily shit at the game, to be honest.
Occasionally you can struggle to find a specific piece of loot like a trowel or an axe, but there's plenty of alternatives such as just digging with your hands (With a small chance to injure yourself), using a smaller hand axe which are much more common, or a crappy stone axe that you craft with foraging, and when it comes to alternate recipes, I've never felt like I was wanting for kindling, because just about anything that would reasonably be a flammable item can be used to start a fire, and foraging for small sticks is practically a guaranteed drop.
Unless you've manually set your loot values to be
extremely low just for funsies, finding the tools you need really won't be one of your biggest problems, especially since there's a sort of logic system to the loot. Hardware stores will always have hardware-related loot, gas stations will always have snacks and gas canisters, gun stores will always have ammo, garages will always have tools, etc. You can occasionally find items that are not where you'd "logically" expect to find them, but I'd say the loot is probably around 95% logic-based, unless you're in a storage unit in which case you'll just find all kinds of random shit.
Either way, in my hundreds of hours spent playing this game, I've never struggled to start a campfire and
usually don't struggle to find basic tools, both because the loot system and alternate recipes make a lot of sense, and because I use a specific mod called
Def's Long Term Survival to help "bridge the gap" in places where I think Zomboid got unreasonable in a way that didn't make any sense.
Craft Helper would also be a good idea if you're just starting out, since it displays all the recipes that an item can be used for, to save you a trip to the nearest Wiki entry.
PZ doesn't really operate on "viable builds" though, only viable strategies. The character level-up and skills tab is almost a moot point when you first get started because you're probably not going to live long enough to see any significant amount of skill-ups, and even if you've been alive for 5 in-game years and maxed every single stat and put on every piece of "end game" armor, if you mess up and don't check your surroundings before looting a container in a dark room, a zombie's just going to bite you and bring the whole thing to an end.
It's a great feeling and not enraging in the slightest.