Wish I could help but I can't get my head around living in a place where it feels like everything will fall apart shortly. I've been aware of dooms day preppers/survivalists since when I was in high school 60 years ago yet here we are. I guess if you say the sky is falling long enough sooner or later it just might. I'm still waiting. So far the human race has survived disastrous historical and economic events

If it is a major concern of yours you might not be in the right mind set to make that house purchase and if you do the worry would not let you enjoy it. OTH nobody is guaranteed a tomorrow.

Bob