Your post makes me want to turn off my computer and go raise goats in the country, lest I somehow end up like you one day.
Everyone can always opt out if they're willing to drop enough things. A trivial way to opt out is to commit suicide. But are other ways too, such as moving into the wilderness and trying to make it there on your own. And that's comparatively much "cheaper" in poorer societies, since there is less to give up.
For instance, whereas in Medieval times serfs might have ran away from their lords and into the wilderness in order to avoid law and taxes, the majority of present-day criminals are found and captured in their own towns, while disgruntled citizens consider themselves to have little option but whine when it comes to taxes.
"Late stage capitalism" does indeed produce enough goods and services that people have the option of opting out. There's some pretty neat survivalist gear for sale nowadays. But they never really do.
That and to your last point is what I was thinking about. It's harder to "opt out" of a subsistence farming existence than it is to opt out of a society where you have access to time- & resource-saving technology that enables you to multiply your abilities, as well as basic necessities at a price that allows you to have disposable income.
That's one of the gripes I have about some of the faux-sustainability crowd: it's not sustainable if it's predicated on a USD$100,000+ income.
From a societal evolution standpoint it's been selected for extinction and we're keeping it alive because... why again?