All right. Financial systems are messy. Fiat money and fractional-reserve banking, although wildly successful, can fail in interesting and horrific ways. Foreign trade, neglected here but absolutely vital for most European countries, adds even more variables to the mix. So, let's talk about what can be done to protect your rainy-day funds against some of the most likely or most talked-about risks.

At the time, Americans were marvelling at engineering advances—attendees at the 1893 World’s Fair, in Chicago, beheld new uses for electric light—but were also protesting low wages, poor working conditions, and corporate greed. “It was very much like today,” White said. “It was a sense that the political system had spun out of control, and was no longer able to deal with society. There was a huge inequity in wealth, a stirring of working classes. Life spans were getting shorter. There was a feeling that America’s advance had stopped, and the whole thing was going to break.”
What’s on the list depends on which faction of preparedness you practice, pre-Y2K prepper and Seventh-day Adventist Church pastor Craig Wiles tells me. There are preppers, who anticipate an event like an ice storm or an EMP; there are survivalists, who arm themselves to face an enemy like a tyrannical government; and there are homesteaders, who grow their own food and practice self-sufficiency. 
Judging by that rationale—“people are not going to take care of you”—the impulse to prep is as much a response to governmental failings as it is to apocalyptic fantasies. During Hurricane Harvey, Houston residents relied on the “Cajun Navy”—generous volunteers with boats—to evacuate them. After Hurricane Maria, a Harvard study found that the Trump Administration’s neglect of Puerto Rico caused four thousand six hundred and sixty-five deaths, many because of interruptions to medical care. And, this week, as historic fires engulfed huge areas of California, the President accused the state of “gross mismanagement of the forests.” Charles, outlining his vision of a doomsday scenario, says, “It’s when law enforcement stops going to work, that’s when the breakdown begins. Now you’re talking about a free-for-all, every-man-for-themselves kind of deal.” Whether or not the apocalypse comes, it seems like that breakdown is already under way.

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