If the world is going to collapse, why would one worry about clearing one’s debts? Especially financial debts? Sure, pay your neighbor back the $20 you borrowed last year, and make sure you always return the lawn mower in good shape with gas in it, because you may have to rely on him if TSHTF, but unsecured loans and credit cards? If the apocalypse comes, your neighbor might begrudge you that unpaid $20, but the credit card company won’t be sending a debt collector after you.