Is it selfishness or is it that there's an unending list of things that could affect us and go wrong compared to simpler times and no one can defend against all

Is it selfishness or is it that there's an unending list of things that could affect us and go wrong compared to simpler times and no one can defend against all of them so we do our best to get by, spending our limited attention how we can, and hope that when something goes wrong we don't also have to listen to smug hindsight from people who are not currently dealing with one of the many things they're not defending against?