Consensus reality is probably more accurate than the word "Cult" which actually means something like subculture. When you make statements like: "everyone is crazy", or "everyone is in a cult" - you reduce the meaning of words "Crazy" or "Cult" to logical absurdities that renders them useless as terms that can be used in a rational discussion.
When I ask myself questions like:"Do I know anyone who is not a little crazy?" or "Do I know anyone who doesn't participate in a cult?" The answer is always "no" - everyone I know seems a little crazy and everyone I know also identifies with some group or other. It's really just a matter of perspective isn't it? I mean to a west coast Bay Area person, such as myself - most people east and south of here are Obviously Insane ;-) Therefore as a practical matter, the words "crazy" and "cult" should be reserved for discussions about people and groups that have behaviors and ideas that are so variant with society at large that they are rendered dysfunctional in a major way. (i.e., can't sustain a relationship or a job.) Having preached that - I actually do think everyone is both crazy and in a cult...but you won't catch me sayin' it.