> This is just a fact of modern life in a society that's polarized along a division of wealth inequality.
This kind of thinking induces a highly toxic form of fatalism, and is not helping. The reality is that a tech worker in a western country (with a health insurance) is probably more secure than 95% of people through history.
Fatalism, though, often leads to people neglecting to do those things they actually can do to reduce risk, including:
1) Limit consumption to a level you would be able to live on for years, should your income go down.
2) Limit borrowing similarly. Don't borrow so much that you'd have to sell your assets at a loss if you're fired during the next depression.
3) Take care of your own mind and body. Exercise both, and continue to learn new skills continously.
4) Be careful when chosing a partner. Look for someone who is wise, dependable and a bit thrifty over someone who's exciting, overconfident or is wasting money and resources.
5) Once married, make sure you do what you can to keep the relationship healthy. Treat your partner with respect, and ask for respect back. It's a lot easier to face life as a team.
6) Also, take care of your extended family, friends and local community. Be there for them when they need it. Within limits, don't let them take advantage of you.
7) Treat your coworkers with the respect they deserve, or even a bit more. Build a reputation as someone who makes a difference both for company and the coworkers.
8) Be mindful about how to invest your financial assets. Spread the risk between asset classes. 25% each of stocks, bonds, real estate and cash/deposits is a very stable mix. But 30/30/30/10 or 50/20/20/10 are also pretty good.
9) Don't expect your saving to make you rich quickly. Consider it a store of value, not a lottery ticket.
10) Adopt a mentality of stoicism. Be content with the fact that you're already doing the things that makes the world safe and healthy for you and your family. Dont let those things you cannot change freak you out, nothing good comes from that.
Over time, your capital will grow, including your, skills, relationships and savings. This will take you from the 95% most secure in human history to the within the 99% most secure.
Now, if you LIKE risk and excitement, you can of course break any or all of the above. You will still probably come out ok. But that's for another personality type than the OP, I think.