They don’t. But the typical response when you point this out is something like “if it doesn’t, then we have much bigger problems to worry about”, and then the c

They don’t. But the typical response when you point this out is something like “if it doesn’t, then we have much bigger problems to worry about”, and then the conversation stops there. Nobody has a plan for this, or even seems to consider it, just like the “fact” that real estate could never go down (proven wrong in the last recession). That’s the point where joining a prepper group becomes the correct response, or at least a good hedge.