If something were to affect our access to our wealth (like money), I doubt it would last long. The scarcity of money may occur if financial institutions are inaccessible. People would, at first, try to fall back on a system they are intimately familiar with – however, I believe it would quickly shift to a barter system.
Goods and services would gain value among the masses, as they vie for what is actually needed. Supply and demand would shape the perceived value of anything, as it always has been. Food, clothing, shelter building supplies, and items for basic needs would have the most value. Followed by the anything for social or emotional survival, such as comfort goods (coffee, alcohol, etc.) Those possessing skills that would have meaning in the apocalyptic world, such as construction, manufacturing (both limited by power and tool issues), as well as medical, food prep, and other basic life skills.
Medicine and medical supplies would dwindle. Those dependent on lifesaving medications (heart/respiratory/diabetes-related meds) would not likely survive long – depending on the acuity and comorbidities involved. Those physically injured or unable to ambulate independently, as well as the very young/very old/immunologically compromised would likely die quickly, as well. Especially if the power grid were not able to provide energy for heating and cooling, as well as fire fighting and emergency services were no longer available. Speaking of healthcare, it changes focus during global disasters. The concept of “triaging” patients, or deciding which should get some of the limited resources to be saved – and those “beyond hope” where using resources would not likely alter their demise. That is not going to sit well with most people.Surgeries will come to a screeching halt. Also, other medical interventions will also stop – including those to prevent or reduce the chances of death. Complications during birth, come to mind, as well as any serious health issues with babies or complications with the mother’s health. We are going to be revisiting the late 1800s/early 1900s medically. On a lighter note, health insurance and deductables will become a thing of the past. However, waiting to be treated could ultimately be extended well beyond anything we’ve experienced in a doctors office.
Vaccinations would help keep some pathogens at bay, but will eventually lose efficacy when they are not repeated or given to prevent illness and disease that occurs naturally. There is also pathogens that become more apparent when food and water supplies co-mingle with human and animal waste. Especially those who do not take steps to reduce/prevent illness transmission with standard procedures such as handwashing. Speaking of medications again, stockpiling meds – even those doomsday preppers who advocate for using “fish medicine” (as shown within Pinterest SHTF boards) to treat human illness. The medical knowledge needed will be limited to those with training. The side effects of too much medicine will cause additional, even potentially irreversible health problems (many drugs are toxic to the liver and kidneys). Once also needs to know the specific germ and whether or not it is susceptible or resistant to a particular medicine. Taking something that does not kill a pathogen will not only waste that drug, but it will allow germs exposed to it to become resistant to it.
Ultimately, the threat of other people taking our supplies may not be the most plausible or likely one if we are trying to emotionally adjust ourselves to the new reality of survival mode. I would guess that people might be more risk-taking at first, only to find themselves injured beyond the resources available. The rest of us will be left to fend for the leftover resources not contaminated or damaged. Not amount of youtube viewing now will mitigate that either. Our new economy will not only look different than our current system; healthcare workers or those with training may find themselves more in demand than originally planned.
Keeping it (too) real
Author edit: I don’t see the value of gold or gems, necessarily, having value in the collapse. Having shiny objects will mean nothing if one does not have their basic needs met. Wealth is not just having stuff. So, those info-mercials pushing the hype of buying precious metals are even more speculative.