>All these institutional problems have been stacking up for the past twenty years, they're only continuing to get worse

You're right about "continuing to get worse", but our institutions have been failing for more than 20 years. I think it's more like that Hemingway quote about bankruptcy, “Gradually and then suddenly.” in turn, that always makes me think of an exponential growth curve... and I think America, if not the entire world, is headed towards the vertical. Ib other words, when it comes to how dysfunctional our institutions can get, I think we've just begun.