If you have concerns, you have ideas. You are suitable to go to a public institution, or you will complain after hard work.
As for being afraid of living too comfortably and losing morale in public institutions, this is just an ideal state of your temporary self-motivation and self-sublimation of non-subjective consciousness.
So you will adapt to a relaxed life. Isn't it good to live an easy life? Everyone is realistic.
If your happiness in your last life was often achieved by overcoming difficulties, that is another matter.
I can imagine my previous life as a reference, which is the inertia of my future life.