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If it all falls at once and society turns into tribal warfare over night you might be safe from debtors. If the disaster is such that it smashes all communications and damages infrastructure irreparably, you will be safe from debtors. In all likelihood we are going to see a slow collapse where the wrld continues to slip further into oblivion. Along that course towards the end you will still have to pay your bills. Businesses will close and people will lose their jobs. Are you prepared to take on a post SHTF career?
What about automation? Is your job going to be taken by a robot? What happens if you are out of a job in 5 years. You still have to survive. What if radical rioters burn your company to the ground? Are you prepared to make yourself valuable in the shaken world?