The working class cannot win without overthrowing the owner class. The owner class is the ruling class and functions, under capitalism, to extract from the working class and make capital into more capital. It cannot escape this role so long as capitalism exists and the owner class is in charge. The fundamental mechanisms by which that system works is coercive on both classes. “Nice” members of the owner class are hammered into complacency through failure and exit (becoming working class again) or abandonment of their principals. Or they luck out and are minor and largely irrelevant, facing no competitors or predators. Real solutions require that we organize and spread class consciousness.

On an individual level, you can try to protect yourself from some of the most extreme economic violences, but they are inherently limited. Fiat currency only has value because the issuer is “good for it” and you can use it as capital and for personal purchases of commodities. Crypto is not money at all, it is an unlicensed security. If your interest is in money-like things, I would recommend inflation hedge-alikes gold and real estate. But these require you to already have significant savings. And they are something to hawk in order to leave the country and cannot replace a functional economic base or allow you to weather a true crisis staying in the country. Having a backup shelf-stable food supply and means to boil water is also a good idea.

Our fates are all tied together under this economic system. We will quickly starve and die of preventable disease in a real, sustained crisis, as it will disrupt agriculture and utilities. Only a stable productive base, a real economy that produces what humans need, can provide when borders close or trade halts. And, realistically, everything you can do as an inflation hedge is much better when done at the community level. Mutual aid is more effective than a personal bean stash (do both!). A network of like-minded people can secure travel and estimate when to leave vs. fight. You can buy real estate with less capital if you go in together. Etc etc.