I'll take the under for any line you sound like you're going to set. "plummeted"? S&P 500 is down half a percent for the last 30 days and up 12% for the last 6 months. Death rate so far seems well under that for auto collisions. Also, I don't have to pay if I'm dead and you do have to pay if nothing horrible happens.

I don't think I'd say "don't worry about it", though. Nor would I say that for climate change, government spending, or runaway AI. There are significant unknowns and it could be Very Bad(tm). But I do think it matters _HOW_ you worry about it. Avoid "something must be done and this is something" propositions. Think through actual scenarios and how your behaviors might actually influence them, rather than just making you feel somewhat less guilty about it.

Most of things I can do on the margin won't mitigate the severity or reduce the probability of a true disaster (enough destruction that global supply chains fully collapse and everyone who can't move into and defend their farming village dies). Some of them DO make it somewhat more comfortable in temporary or isolated problems.