This sentiment scares the crap out of me, and explains a lot of frustrations I felt through the pandemic. I've complained [0] before about feeling like I was getting screwed by making "reasonable" or even fiscally conservative choices throughout the pandemic and it's recovery. It's a topic I have complicated feelings on: I don't want my fellow citizens to be "punished" for being reckless, both because I don't like the idea of punitive reformation and because punishing basically everyone would do Bad Things to the economy, but the feeling of "something's got to give" has been hanging over me for years.
Everyone seems over-extended, but anyone who "plays it safe" just gets taken advantage of by everyone else. It feels like a microcosm of peoples' reaction to climate change in a lot of ways; we see older generations reveling in the spoils of just not caring and know that if we're going to do anything about it _we_ will have to give up luxuries they've enjoyed for years--and that there will be plenty of others who will just take up the "slack" we're creating by cutting our emissions.
Maybe I'm just projecting my own FOMO, but I see a _lot_ of the sentiment of "they got theirs, why shouldn't I get mine?" when it comes to saving money or climate change or even just post-COVID travel. There's no sense of communal responsibility or "we're all in this together."