I had a big paragliding accident last year with both legs broken, tons of treatment, mris, various physiotherapies... still ongoing and cost 0 nothing, in even rural US those costs would be brutal. My (early) retirement is very well taken care of if all works out, we will probably have more money than we could reasonably spend plus some serious assets, all just our work from 0 in past decade and a half, both just employed at companies. Criminality is a topic on its own. I could go on for a looong time.
I couldn't care less about unions, I never felt oppressed or disadvantaged in any way in past 20 years across 3 different countries and many jobs, in contrary.
Good luck putting a price tag on such things, if you don't get it wait till you are older. Thats how advanced modern society should look like IMHO... the stress of being american with family and without massive cash reserves must be quite intense and relentless.