The trainwreck is only "inevitable" (which, incidentally, it isn't, but put that aside for now) because of individuals making choices that benefit them personally at the expense of the common good.
I agree with everything you're saying, except it's a handful of individuals. The top .000001% are responsible for 90% of the acceleration of the train. You can hardly blame someone for not paying for a tomato.
I don’t believe there’s any evidence whatsoever for that, and I refuse to adopt that kind of loser mindset, where the agency of 99.999999% of people don’t matter at all to how our culture and civilization develops.