No electricity = no water = No Garden. The golf course will revert to sagebrush.

Around here, it’s a mile to the river.
Luckily, I have a handful of larger containers for water storage (working on that this weekend actually)
but still have to get it home.

I’d bet that all personal and business debts would be frozen by XO/legislative action within minutes until the ‘crisis’ is over and then they’d come back with a vengeance. That way certain companies don’t lose any money per se.

It all depends on how “bad” the SHTF.
Short term, say 5 years or less, you’re still on the hook.
5-10 years, gonna depend on how many survive.
After that, it’s a crapshoot.