For myself I usually call it "(not) playing to win", after David Sirlin's book (see also https://www.sirlin.net/ptw for the free web version). In it, he describes a phenomenon in competitive videogaming where some people try to forbid valid moves in an online game because they are "broken", like throws in fighting games or rush strategies in RTS games. Sirlin argues that because they recognize a powerful tool but refuse to use it, they needlessly handicap themselves. As such, they're not playing to win but playing to feel morally superior and consequently lose to those who do use all the tools the game provides.
In reasonably balanced games, it usually turns out the "overpowered" strategy is not all that overpowered and that they have huge downsides when played against people who know how to counter them. In real life, which has no requirement of being balanced, we can recognize that certain strategies ((explicitly legal and often even encouraged!) consistently work really well. Choosing not to use those strategies doesn't make one morally superior, just bad at playing the game of life.
That said, "minimizing your own odds of falling into societal cracks" often still includes caring for others around you. On a small scale, being rich but alone because everyone around you went bankrupt and/or became estranged to you is not much fun. On a bigger scale it's just good governance to make sure everyone has food, safety and entertainment, just to keep the pitchforks away.
In reasonably balanced games, it usually turns out the "overpowered" strategy is not all that overpowered and that they have huge downsides when played against people who know how to counter them. In real life, which has no requirement of being balanced, we can recognize that certain strategies ((explicitly legal and often even encouraged!) consistently work really well. Choosing not to use those strategies doesn't make one morally superior, just bad at playing the game of life.
That said, "minimizing your own odds of falling into societal cracks" often still includes caring for others around you. On a small scale, being rich but alone because everyone around you went bankrupt and/or became estranged to you is not much fun. On a bigger scale it's just good governance to make sure everyone has food, safety and entertainment, just to keep the pitchforks away.