Yeah, you know, when people keep saying "You aren't as far from being homeless as you imagine you are" this is what they mean. Just because your life has not come unraveled overnight doesn't mean it can't for reasons beyond your control having nothing to do with personal virtues or lack thereof. We really need to get universal health care in the US, among other things, to limit how far people can fall when something…
We're on the wrong side of the curve of history for something like that to happen in the US--or anywhere else where it isn't already in place. Social Darwinism has been the fashion for 40 years now, and it's not going anywhere.
We can choose. We aren't actually compelled to just keep collectively being assholes because that's what we have currently.