Americana’s will only do shit that doesn’t inconvenience them.

For some, sure. For others I think a good part of it is the fear of doing shit that will negatively impact others like them.

I am in a position of privilege and can afford the inconveniences, but what effective act could I take that wouldn't result in making the lives of numerous other people tip out of balance and potentially cause them or their dependents to become unhoused or go without food or medicine?

For the average person, living has become more and more precarious. We have fewer and fewer safety nets and the rich are quick to make those they have power over feel the pain of resistance first. We have no guarantee of healthcare, less and less food assistance, unaffordable childcare, poor elder care. All purposely done by the capitalist class. This has created a human shield around them.

It's like the only options are indirectly accelerationist. Cause unavoidable collateral damage, blame those at the top, and hope it inspires those at the bottom to act instead of turn on you? I don't like that.