i think there are multiple ways to ensure that people will still work for you in such a senario, i doubt they are that stupid that they will rely on cash in the apocalypse. If we can think that wouldn’t work out so can they. There are other commodities that you can secure and make sure you are the only one that knows how to get access to them combined with having a few trusted guards that are given a lot of power when working under you which they wish to keep, you can get a lot of people to stay in line with limiting their resources and having a small core of loyal armed men. Before inventing money we still had people rich in other ways that had a bunch of people working under them, it’s not going to be very different after the collapse. Although i do agree with the statement that a bunker unless it’s to protect yourself from a nuke or whatever or long term radiation is not a good idea especially when shared with strangers.