Tough to understand what point your trying to put across, are you saying it's better long term to live hand to mouth?
The biggest risk currently is to our health.
Regular exercise, living and eating healthy go a long way to help keep our health, plus if we do get ill it up's our chances of surviving and a quicker recovery.
Second biggest concern is money.
Not being able to provide for our families and pay the bills.
If you doubt that take a look at the various countries around Europe that are struggling, the suicide rates have shot up.
Live a healthy lifestyle, exercise regularly, live within your means and have a plan that will afford you some financial security and you've made massive steps towards providing security for you and your family.
So you cannot afford to work then
If your working for naff all then it might be prudent to get a better job
You specifically mentioned the collapse of society, do you honestly think buses will be running then