[marvin]

>or go on offense with you to acquire necessary resources

Are you seriously suggesting, on a hacker forum, to be prepared to use the proceeds of your emergency fund to violently steal life-critical resources from other people in a crisis?

I really hope I've misunderstood, and you're using the phrase "go on offense" as a euphemism for deer hunting.

[lotsofpulp]

No, I am suggesting that in a worst case scenario, an emergency fund full of cash is useless (on a multiple year timescale, of course how many years is subjective).

It’s conceivable to imagine a scenario where resources are so limited that acquiring them becomes a do or die situation, which is what I imagine the previous poster meant by “zombie apocalypse” scenario (or more realistically, war). Or I erroneously assumed “zombie apocalypse” to mean worst case scenario.

I also forgot to include a less drastic measures of also owning assets in a different country and the rights to live there in case you need to immigrate.