If you wake up one day and find that your society is disintegrating with that speed, you're going to need food, water, ammo - all of which are tradeable - and a good support network - not a bunch of fake computer monopoly money tokens.
You don't wake up into a disintegrating society, you wake up into a society that's a little worse every day for decades. See: other highly developed countries that are no longer considered highly developed.
