Recently I had an emergency. I didn't need my pocket rocket .380 or my trusty AR. Did not need buckets of rice and beans or body armor or night vision. Know what I needed, MONEY!
Our friend commander zero talked about this recently, well more or less.
From losing jobs to surprise car repairs or medical problems or legal issues that require a lawyer the common denominator is these problems cost money. The way to solve them is with cash. Yes a bunch of food stashed is a good thing and can displace some expenses but good luck sending your landlord or bank 200 pounds of rice as payment!
One of the blind failures in survivalism and its hipper more politically correct brother preparedness is focusing too much on unlikely or outright fantasy (the classic grid down collapse apocalypse porn stuff) at the expense of failing to adequately prepare for much more likely real life events.
Got Emergency Fund?