IMO you are being unfair. I haven't quoted your entire post or I'd be replying to it for far too long.
Be honest, you were lucky. No one has a crystal ball and no one knows if what they choose is the right path. Only looking back will we know that.
Of course you rely on other people and government. You didn't invent or create everything you use to have a good life. You didn't make your EV, or the electricity that makes it work- other people did that, and it was by companies.
Not everyone has their retirement plan work. I had one, till the rules got changed. I'll never believe anything any government official says ever again.
There are no guarantees- you were just lucky you were not conscripted and left disabled ( I'm assuming you are American of an age to be conscripted for Vietnam- apologies if that is wrong. OR disabled in a car accident or disabled after being hit by a bus etc etc.
We all live a life that was given to us- no one makes everything that happens around us, so if one is lucky, one should rejoice in one's good fortune, but one should not assume that it was because of one's choices, or be critical of those less fortunate. Had you been born in a Brazilian slum, would you have the life you have?
My life ain't great now, but getting here was amazing. I had a fantastic life, interspersed with crappy bits, but it was all down to luck and being in the right place at the right time. Had I had the life I chose when in school, I'd have milked cows for 50 years, be divorced with children that hate me, and no great memories. Just lucky it didn't turn out like that.