It's not insanity, it's planned. If people can't afford to stop working, they can't afford to strike. You want to keep people just on the side of solvency. So they keep their (rented) home, their (liened) car, etc. But they never save up enough to feel truly secure. Bad things happen, take on some more debt (credit cards, loans, etc) to compensate and then spend years paying those debts instead of saving. So you can do it all again.

It's all planned.

It's why governments crack down hard on community outreach and organization. People growing their own food will be less dependent on the grocery stores that are increasingly owned by only a handful of companies. If your community can at least partially feed itself, it removes one potential barrier from striking. If people in the community own their homes, they can shelter others. This removes another potential barrier. And on and on.

Capital lives in mortal terror of organized labor and thus spends gobsmacking amounts of money doing everything it can to prevent it from happening.