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Personally I feel like it’s less about exposure to extreme gore and porn and stuff like that. It’s more about the constant barrage of awful shit happening all over the world. Some stupid thing some politician said, police brutality, an asshole on a plane, etc. Our brains just weren’t designed to handle so much stimulus overload. I’m not a psychologist or whatever but that’s my opinion.
Personally I’m way happier with a 401(k) than a pension. Risk is more distributed with a pension, yes, and many people don’t have the knowledge or resolve to properly manage their own retirement funds. But pensions are a royal PITA, way more complicated (and expensive) to manage than a 401k. So if I had to choose between money coming out of my paycheck to go into a complicated expensive pension fund that may or may not be around in a few decades, OR a 401k that I have complete control over and can take with me when I leave the company, I’ll take the 401k every day of the week.