The Key here is “Electronic Savings”, how many have Cash/Gold/Silver/Food Supplies/Potable Water/Fuels and last but not least lead and the means & guts to use it if needed?
Those ATM’s will be useless.
Hard assets Gold and silver for some, but food stocks, medicines, household goods, water purification equipment and supplies, guns, ammo amd so on. Trade barter goods, skills and knowledge.
My local Trader Joe had nearly empty shelves ONE DAY after a storm closed mountain passes between here and Seattle, which their trucks had to travel. Really drove home the point that grocery stores will have empty shelves very quickly after any kind of ongoing emergency.