So basically you are overworking yourself in the richest country of the world because the society you live in is structured in such a way that every single person is responsible for their own safety regarding emergencies that are completely unpredictable and could be alleviated with a more collectivist worldview where everyone could contribute a bit more to help those in need.

I don't mind my taxes paying for my friend who's on his 4th month of sick leave because of a sudden and deep depression, it's a very small cost for me so society in general can be healthier.