What you describe is a good way of coping with individual anxiety but doesn't really get us closer to tackling the bigger problem. If this approach was so great, why isn't it working already? I think you're assuming that everyone else is embracing optimality and that everyone else sees the mutual benefit in that. In reality, many people don't care and quite a few find negative outcomes sufficiently profitable that they're willing or even eager to sacrifice your future wellbeing for their benefit.

https://en.wikipedia.org/wiki/Collective_action_problem#Soci...