Best of luck. Whatever else happens, I hope you manage to make it through to the other side.

Stay strong, talk to your neighbours if feasible where you live, work together locally. Every major catastrophe in my area of the world, even ones which totally upended my country (Romania) for a generation, my family survived via community and friend groups.

In a collapsed or collapsing state, mutual aid is mandatory for survival.

That’ll last all of 1 week before a large percentage of new homeowners run out of money and start using the house as collateral with no hope of paying back loans.

The most effective solution I’ve ever heard of is the Norwegian housing first model, where the house itself remains under state control (at least at the start). As the occupant goes through rehab if necessary, retraining if necessary, is helped to find a job, etc, they can start paying towards the house and eventually fully buy it from the state. Meanwhile, the state can use that money to buy/build more social housing to help more people.

Disclaimer: I’m not an expert but that’s how it works as far as I’ve read.

I appreciate his response to criticism of his city-run grocery store initiative. I can’t recall the exact wording, but it was something like “If it doesn’t work, we’ll cancel it”. I don’t mind an experiment like this as long as the people involved are results-oriented and willing to pivot if evidence shows it’s not working.