Leaving aside the preposterous rewriting of U.S. history in your comment (the US was never like modern Switzerland, even when it was significantly more homogenous), your goal is not possible with the current size and cultural diversity of the US.

If you want social safety nets, you need a homogeneous culture that stresses (irrationally) not taking advantage of them, thereby making them sustainable.

I know this is not a happy thought for you. It was not for me, as well, for quite some time.

In the absence of such safety nets, I think people will go for more safer bets which make them financially stable as opposed to riskier bets which may bring innovation but could also endanger their livelihood.

Without a strong common culture that solves the prisoners dilemma of social safety-nets, they will collapse. If you want Switzerland, you need Swiss.

And among middle-of-the-road diversity nations it seems to be aminly the anglosphere that feels it is difficult.