Firings, RIFs, RTO, cut in benefits. Why is anyone staying here who doesn’t have to?

Between all of these things I am curious for those who may not financially need to stay - why are you? For me it’ll be when the agency announces RTO (IRS) , especially since the union appears to be useless and won’t be able to enforce telework for those of us who have protections. Once that happens I’ll have to reduce my hours or quit because it just won’t be feasible. It also will not improve morale or productivity. I also lost 3 new hires and aside from being depressed by it, I’ll have to take on their case load now. I’ve been here 19 years but really wondering if this is all worth it, especially because I am unsure my mental health can continue to take this psychological torture.