That last point is definitely something I worry about a lot, and I've always thought this Brecht poem phrased it well:

It is true: I work for a living But, believe me, that is a coincidence. Nothing That I do gives me the right to eat my fill. By chance I have been spared. (If my luck does not hold, I am lost.)

They tell me: eat and drink. Be glad to be among the haves! But how can I eat and drink When I take what I eat from the starving And those who thirst do not have my glass of water? And yet I eat and drink.

unfortunately I do not have any actual answers for this lol