> Hard does not mean negative or bad
It does when it applies to your life. (Edit to reply to your edit) A bit of physical activity doesn't make your life harder. A lot of it might. And almost only hard physical activity is pure punishment, even literally used as such in labor camps.
> the safety nets are often illusions
Safety nets are sometimes illusions, they are mostly helping. Like an airbag they only need to work once to prove their worth.
> see: insurance, for one example
Insurance saved the livelihoods of millions of people, sometimes many times over. Rebuilding houses, repairing equipment, covering medical expenses, or critical services. Sometimes they fail you.
Do you know many people who wish for a hard life? For the homeless life? To not have any sort of insurance?
> There's a balance of course [...] You are forsaking nature and an eon of evolution to satisfy what exactly?
The balance.