Collective wisdom is about our capacity to recognize interdependence and to make decisions demonstrating that we have a stake in each other, that we can indeed care for each other and the physical planet we share.
Generally, we have translated greater output in the few hours of work per week over the last century. And that's a good trend of the future. But we do have to have a system that, as output of goods and services keeps increasing per capita, that it takes care of the people who are willing to work and really are not getting by very well with a family on a 40-hour week.
It is poison - rank poison - to knuckle down to care and hardships. They must come to us all, albeit in different shapes, and we may not escape them. It is not possible. But we may swindle them out of half of their puissance with a stiff upper lip.
If I were to start taking care of my grooming, I would no longer be my own self... so the hell with it... I will continue to be unconcerned about it, which surely has the advantage that I'm left in peace by many a fop who would otherwise come to see me.