the premise is you can prepare anyway you want for either event or you can say either even just surprised you, let speculation run wild. with Zombie-like apocalypses can be anything last of us fungus, walking dead disease, or just a disease that wipes out 90-99% of the population and your one of survivors. With the economic downturn, The governments have collapsed in such a way as to make all currency completely useless and their rule can easily be challenged.
yeah with zombie there’s less people and disaster to unite around (maybe?). with an economic collapse people aren’t dying they’re just getting hungrier and angrier, and there isn’t necessarily a universal threat to rally behind. could just be “I can secure your base level needs” and “they are a threat to us and if they don’t take them out, they will take us out”