You must be thinking of the "sane" that exists in your version of the world where you believe Democrats will win the vote, Trump accepts the loss with a graceful congratulatory speech to Biden, the Mets win the world series, love conquers all, and somehow, all the fucking lunatic/racist/homophobe/suckered/religious/nutjob-types (not saying all republicans) just decide to back down and play fair.
It might not be sane people who start a civil war. But that doesn't mean sane people won't be drawn into it, or targeted.
Lol, implying women are attracted to money is not a stereotype that only an incel can attribute. Comedy often pokes fun at stereotypes, of course without trying to offend.
I don't think the joke is ".. literally placing the blame .."
The joke is more light-hearted than outright "blame".
"Incel" is a modern word with negative connotation, that I don't think need be retroactively applied to all things related to rejection or attraction from a woman.
It ruins the joke.