Civil Wars don't happen in nations with sub 4% unemployment. What you want to look out for is 20-25% unemployment, particularly in fighting-age men. If there is some kind of catastrophe that leads to a quarter of the men between the ages of 18-39 in the US losing their jobs, THAT is when we need to worry about a Civil War.
Small-scale terrorist actions might take place, sure. But something sustained with anything remotely resembling an organized force actually operating, taking territory, or controlling infrastructure or population centres? Absolutely not going to happen if everyone has a job to go to on Monday.
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