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A lot of this is true. And the system is designed to keep the masses in such an incredibly insecure place when it comes to living and health that they cannot find the time, money, or courage to risk it.
People are barely keeping afloat. They pay their rent hoping their next paycheck will bring up their account balance before the check clears. People are using installment plans for the grocery trip. They have irregular swing shifts and/or two jobs that make scheduling incredibly difficult.
Organizing stuff takes a lot of people's time, mental effort, and money.
I'm definitely not saying don't organize. I'm saying do try and understand especially for the less privileged (among Americans) it's really an insane task.