Granted a co-op is the only way for the worse case scenario, but the worse case is at the far end of the spectrum there are plenty and far more likely occurrences at the other end of that same spectrum that can just as easily kill the unprepared. Most people don’t even have a weeks worth of food on hand, during the shelter in place and search of the Boston bombs police were getting calls about baby formula and diapers and that wasn’t even a full day.
Funny how many depend on the ‘gubberment’ for everything even their very lives and those of their love ones and that what really gets me is a family man who doesn’t even try to do even the basics and gives his families lives over to the keeping of bureaucrats and thugs.
It's just that location and alliances will mostly determine who survives a major catastrophe. But I never liked living in or near big cities anyway.