It is not correct to say that the elite has always been able to insulate themselves from disaster. The Paris Commune, revolutionary France in general, or non-State societies dont have that issue (taking the state to mean an instrument of class conflict, which is the definition that's appropriate here).
You just need a government that wasn't captured by the rich, or any other elite. It's not impossible to attain. In fact, simply making the justice system free of charge and not allow advantages from money, the castration of the power of the executive, electoral reform to end the two-party system, income caps on representatives with complete removal of external financing, the implementation of referendums on major bills every 6 months and bolstering of direct democracy, réglementation on media to limit consolidation and financing, super-linear fine in relation to income, increased taxation of the top earners, and universal Healthcare.
It even that doesn't work, then the nuclear option is to progressively turn every corporation of over 3-10 employees into a co-op. Now you really can't have an elite anymore.