I agree with you. The author is projecting total colapse of society on a national level and that is unlikely.
I am prepared for the scenario that you have proposed, local natural disaster. Katrina is a good example, LA riots, another. These are temporary situations that are probably more dangerous than total colapse.
collapse=colapse
In the event of a global banking collapse, there will be no help coming from outside; it will be every man for himself. My other concern would be an EMP attack on the US...a few years ago, I would have considered such a thing extremely unlikely, but we now have an administration doing everything in its power to increase our vulnerability...