So what is the upper limit of how hard someone should work until they can reasonably acknowledge that shit is fucked up and that they're a victim of circumstanc

So what is the upper limit of how hard someone should work until they can reasonably acknowledge that shit is fucked up and that they're a victim of circumstance? Should I just power through chronic fatigue for 10, 20, 30 years before applying for disability (which forever limits how much wealth I am allowed to accumulate)? Should someone just keep fighting a fatal cancer diagnosis, throwing their family into incalculable medical debt, until they die with a crushed ribcage from a nurse slamming their dead heart through the sternum because they're full code?