This is upside down. Storing several years of food is hugely expensive and a waste of resources. Companies should not be stocking capital and supplies for 1 in

This is upside down. Storing several years of food is hugely expensive and a waste of resources. Companies should not be stocking capital and supplies for 1 in 100 years Black Swans. We could end up in a several years long pandemic or war. Should every family have a bunker, 5 years of non-perishables, weapons, bio gear, medicine, generator, generator parts etc? It's much more efficient to have a smart restructuring program for when calamity hits and to smartly reallocate resources, capital for the new re-alignment. Because of the system-wide effects, we are facing - even insurance is not the best product. The 'moral hazard' is not in the bailouts themselves, but the terms of them and how exactly the bailouts are enacted. For system-wide events that are impossible to predict, what we need is dynamic leadership (policy, action, financing). Some parts of the system need more resiliency than others which is why we have regulations, strategic investment, reserves. And after this event those will be adjusted as well hopefully.