If an EMP or something should take down the entire grid, how would you pay your bills? No internet, no phone, no postal service, no banks, maybe even no Federal Reserve (in the US). The mortgage company wouldn't be able to foreclose; how would they know you hadn't paid? Same with the insurance companies. And the tax assessor. Are they gonna sue in court? What court? Would the power companies shut off your power? LOLOLOL!!! What power? Kinda funny to think about it, in a sick sort of way.
Bill collectors walking to your house to collect cash? It's uphill all the way here. Maybe steal a horse to ride? An e-bike would die pretty quickly.
When one ponders prepping, ask yourself, "How long can I live with only what I have now and what would that be like?"