the premise is you can prepare anyway you want for either event or you can say either even just surprised you, let speculation run wild. with Zombie-like apocalypses can be anything last of us fungus, walking dead disease, or just a disease that wipes out 90-99% of the population and your one of survivors. With the economic downturn, The governments have collapsed in such a way as to make all currency completely useless and their rule can easily be challenged.