I think you're being a bit naive in assuming that when the massive and sustained unemployment (by today's definition) happens, wealthy people will be in a posit

I think you're being a bit naive in assuming that when the massive and sustained unemployment (by today's definition) happens, wealthy people will be in a position to "save" their neighbors by throwing a few bucks their way. If we don't deal with this situation before it happens (and, IMO, this shift has already started though it'll be decades before it takes full shape) there will be bloody revolution to the point of societal collapse. Having a bank account with a lot of zeros in it won't count for much by then.