[constantcrying]

Total nonsense. None of that is of any help if you are facing a real economic crisis. The economic disasters in the last decades all have been mild, some people lost their jobs, some companies went under, some lost everything in the stock market.

During some historical economical disasters, people lost all their saving, their jobs and all safety they thought they possessed. None of your suggestions would have helped, many, many people who were well off, saved diligently, spent cautiously and never borrowed too much were suddenly destitute and had to make serious efforts to find calories.

The reality of economic disasters is that no one is safe, regardless of what you do or don't do.