One basic fact you are overlooking is that money is just arithmetic. If ordinary people shifted from a consumer mentality (you are what you own) to a more adaptive attitude (you are what you do), the vast wealth of Bezos, the Waltons, etc. would dry up quickly. And in a full-scale economic collapse, their money would lose its value, and their own servants would turn on them… Money only has value by consensus, in the context of an intact market economy supported by legal structures. When these preconditions collapse, money is worthless, and only the strongest, most ruthless, and cleverest will survive — but also the most resilient, skillful and adaptive community-builders (after the thugs and warlords kill each other off.)