So ok, you've build yourself a small city with self-generating energy capacity for decades. You got running water and transportation. You can manage all the waste you produce. You stored a lot of food, and can somehow produce more food. You have some sort of health care/emergency plan figured out.

So now, who is gonna maintain all that infrastructure for you? Your employees? For what? Money? What the hell are they gonna need money for now that civilization has ended? Loyalty? Why? What is keeping your guards from killing you and your family and taking control? Or worse, making you their slaves. It's survival of the most well armed and organized from day one. All you have is money in banks and you name written on pieces of papers stating you own stuff. All of that amounts to nothing from the moment the ICBMS fly.

It's all illusions for these people. Like the pharaohs thinking they were gonna cheat death and keep all the riches and power. It's pure desperation and trying to throw money at the problem, just to create hell on earth for themselves.

On end of civilization situations, the lucky ones are those who die soon and without realizing what happened and what's to come for the survivors.