American’s financial situations are actually quite good right now. Everybody is just anxious as fuck, for many reasons.
Think about what a civil war would entail. It is literally war between neighbors. You really think Americans are ready to kill each other en masse and give up everything they have, for what?
It’s easy to make proclamations about some abstract idea of “civil war” but the reality is that most Americans are doing relatively well and would not stake their lives on something that doesn’t even promise a better outcome.
All the insane stuff that's happening and will happen is the hangover of not having a depression in 2008 and delaying it by printing money and propping up banks.
But you can't delay the inevitable.
People are not doing that well right now, and there's a lot of anger between the people who are doing the worst, and the people who are doing fine and saying "America's financial situations are actually quite good right now."
I'm not saying everybody is doing great. I'm saying that if you look at the stats of average American's personal finances, they are in pretty good shape. That doesn't mean there isn't a decent chunk of the population that is struggling. That doesn't mean there isn't a housing crisis across the country. That doesn't mean inflation isn't hitting these lower-income groups harder.
These issues are very real and are a major part of what is making everyone anxious. But in the context of the conversation, people are not getting ready to war with each other.