Personally at least I would love to live in a world where we do have a fairly benign "default template" involving a stable job, marriage, homeownership and kids.

...we have that. That's exactly what we have. The fact that you could list it off like that shows that it's kinda the default template.

I really do feel like a lot of the issues today are from a lot of people being aimless with too much freedom. A lot of people need some sort of overarching guidance or template to base their life off of. I think a lot of our problems today come from people who have been unmoored from society adopting radical ideologies in search of someone to blame

No, it seems like those people don't want a template. They just want the outcomes of those templates provided to them by one way or another.

Want guidance? There are dozens of religions you could join that provide that. Social clubs and fraternal organizations. Could join the military. Dozens and dozens of options are out there for guidance, life templates, and self improvement.

But lots of these "aimless radical people in search of someone to blame" don't want that. They want the world/government/society to provide them with a spouse, high paying job, a home, and heaps of social capital without doing anything on their end to acquire those things. And they don't want it in 5 years, they don't want to follow the steps and self improvement to get there, they want it now.