>What does Opportunity have to do with science?
Most science requires specialized tools and materials that cannot be obtained outside of an institutional environment. Tearing down the institutions means ceasing basically all non-profit generating "big science" efforts. That robs future scientists of working on the cutting edge.
A garage lab is fun idea, but the reality is infeasible in most circumstances. Even if possible, it will be slap-shod and a gigantic money pit that no granting agency will give a dime to.
>My fear is that we've crossed the event horizon
Hyperbole. Science existed before institutions and will exist after if it all should come tumbling down. There are more scientists than there has ever been, and as a result a lot of "boring" but necessary science is happening, but that doesn't mean there aren't rebels and outlaws in that same system asking interesting questions and overturning ideas.