I don't really disagree with any of what you're saying, and I'm prepping in a limited way.

My point is that, while civilizational collapses do happen historically, and often enough it's not an outlier event, that the modern industrialized world is networked and on autopilot in such a way that it takes years for the zombies to fall apart. Witness South Africa after the end of white rule, which is still tottering onward without mass starvation yet, though it did turn into a shithole. Hell, even if, say, the dollar collapses tomorrow, an all white place like Vermont will have a much easier time of things than Chicago.