I think you misunderstand who participates in a civil war, at least initially. It's not always the citizens, in this case it's the state militia and the federal government. We are dangerously close to that.

I agree that it's silly to say "we're as close as we ever have...", but the rest of GPs point stands. Things are bad, and just because you're not seeing it and are rich enough to not care doesn't mean it's not happening.