I am worried that a complete breakdown in society could happen in my lifetime where no one shows up to work, armed mobs roam the streets, and the government cannot continue to operate.

I disagree with the circumstances. I'll still show up for work. Half of the US has voted for government sanctioned societal breakdown. https://phuks.co/s/Dystopia/86464/portland-neighbors-beg-for-help-as-homeless-camp-takes-root With virtual news and voting dominant, the government can persist.