Sounds like the same fallacy as preppers getting ripped off buying Krugerrands at a premium to keep value safe after a complete collapse of all civilization. When it is like putting platforms on the boughs of a tree to stay safe when the trunk is cut and felled. It fundamentally misunderstands the order of dependencies.
I think that’s actually it’s own fallacy: presuming that one can predict the dependencies and survivorship of various elements of society in a scenario where one or two larger ones go through a disruptive transition. This is a contradiction in many cases, because if you could know how such a disruption was actually going to play out, it would be unlikely to actually happen. If our kids are growing up in a world that is fundamentally different than ours in terms of sovereignty, it is very hard to know what the side effects of that transition will be.
You’re presuming a scenario where the structure of government changes is the same as a civilizational collapse. That’s not a given.