This current pandemic of Covid-19 has been a real eye opener. We could see a world wide depression again. There are very few people in our country who will not suffer from this depression. Most people have indoor plumbing which costs money. Most people keep only enough supplies on hand to make it a week or two. When shortages come and money is tight people suffer because they are spoiled.
To shield yourself from the pandemics, famines, and natural disasters which will increase in both intensity and in frequency you might consider adopting a more primitive way of life. Those who live like they did back in the 1930's already know hardship and living with it every day they are use to it. A large percentage of the world's population do not use toilet paper. A large percentage of the world's population rarely if ever eat at a fast food restaurant. Get use to keeping chickens. If you want fried chicken for supper go out to the yard and catch, kill, and butcher a chicken. It's not an easy life compared to what you have now but once you get use to it you'll be just fine.
My youngest daughter has six children. She does not use disposable diapers and disposable wipes. She is as of the time of this writing getting 20 eggs a day from her chickens. She bakes her own bread. She loves a simple life. Her husband plants a large garden every year and she preserves the surplus vegetables for use when growing season is over. She home schools her children and has begun to teach the older ones how to cook and garden. She and her family have handled this pandemic very well.
My suggestion then is this. Recognize luxury for what it is and what it is not. Know how to live without luxuries. Practice your skills of doing without luxuries. Be content with what ever state you are in. Thank God for what you have and count it all joy.
Philippians 4:11 Not that I speak in respect of want: for I have learned, in whatsoever state I am, therewith to be content. 12 -- I know both how to be abased, and I know how to abound: every where and in all things I am instructed both to be full and to be hungry, both to abound and to suffer need. 13 I can do all things through Christ which strengtheneth me.