Here, OP is asking about their situation even if they have almost no investments. In other words, they’re asking about the downturn on the national and global economy, and how that could make their life bad. Since it obviously can (through, for example, job loss or difficulty obtaining groceries), then some amount of preparation might be reasonable.

Another good question is what to do if you have medium-size investments and you don’t want to see them tank. That’s what you are talking about.

“That was never real money anyway.” Rich people sometimes say that, but everyone else knows you’re wrong. We save a percent of our paycheck every month to make sure we have money for retirement. We all wish we had guaranteed benefits, but that system was scrapped by greedy rich assholes decades ago, so now we are gambling that our savings will increase, because if they don’t, we’ll be working until the day we die… So if we feel like that money is real, maybe we’re right.

And if you feel like the money isn’t real, can you give it to us? Couldn’t hurt, after all, because it’s all fake.