Id say collapse of societal functions in general is what you should worry about (be it pandemics, climate change or rampant egomaniac billionares). Giving it a "government bad" spin at least still implies some form of order, thus is not the worst case and so imo misses your point of "more dangerous things than the flu".

Btw, that erosion of trust in societies, combined with cluelessness and learned helplessness facing known, serious yet solvable issues (like pandemics) esp. in democracies worries me the most.

Sure but i'm many orders of magnitude times more likely to die from a virus than "enemy tanks".