Tell that to the entire American working-class movement of the early 1900s that gave us our right to unionize. They had those same problems but it didn't stop them. Why? Because they fucking organized their communities to provide that safety net for each other without relying on a third party entity to do it for them.
The problem with America these days is no one knows how or wants to be part of a community with each other. We are so fucking endeared to the capitalist system that people can't fucking imagine doing anything without it.