By this logic, no one should ever complain or try to change anything. Because surely, someone, somewhere, has it worse. Got cancer? Well, someone somewhere has cancer AND a two broken legs.
I assume you meant _specific_ fears about the consequences of one's _specific_ actions (e.g. fear of harming someone else, or fear of receiving backlash for it; or fear of squandering scarce funds for a business).
Fear does not unconditionally bring sanity. I've found widespread, chronic, low-grade background fear to be an equally significant driver of awful behavior (and irrationality), often (but not always) co-occurring with an absence of specific consequences.
(The implication being that trying to "solve" this problem with more general terror, as opposed to specific consequences, would likely backfire.)
Then again, hardships do also break people, so I don’t know.
When it feels like everything is slipping away from you, it’s easier to become desperate. This could be the result of losing your sense of scale, or it could be the result of a genuine, significant threat (or anything in between).
2008 was 15 years ago. It caused a lot of pain and human misery, just not among the social classes that typically comment on hacker news.
There's apathy because no one has been scared in a long time. Landlords haven't been scared of not finding renters and not being able to pay their mortgages. Workers haven't been really scared of not finding jobs. Businesses have not really been scared of not being able to raise money.
Awful behavior in general comes from an absence of fear. Recessions were the natural force that brought fear and its ensuing product, sanity, to markets. Remove that and you get our current state of things.