Hopefully we're not too late.
Large companies have been spending millions in propaganda and attacks to ensure that people in the US think that unions are pure communism. By the time we get enough people to make a difference there may be T100's stepping on our bones at this point.
The problem is everyone's financial cliff is different. If I lost my job today, I have enough saved up to last me X months. Yours is Y, someone else's is Z. I'm going to go hungry at the end of X plus whatever. But since you're going to go hungry at Y plus whatever, we aren't forced to agree on what the right time to stop and stand up is. Z over there has rich parents so they've got longer. Nevermind poor W over there who doesn't, and has shorter.
What a convenient little trap we've set for ourselves. If everyone's money was set to run out at the same time, there'd be problems.