I can't speak to the rest, but if the credit markets seize up due to a crash of stock market or many other reasons, then that will affect the just-in-time delivery model of everything at your grocery store, your gas pumps, ATMs will be shut down after runs on banks. The stock exchange will close, you will be able to use a credit card. You will have the money in your pocket, the gas in your tank, and the food in your pantry. It could be a couple weeks until things got moving again, and that is probably after the nwo sdr are run out as the answer to our monetary problems.