That works only if you've got a bunch of people who go by that and are, basically, shit problem solvers who don't think.
And if it's things they're so much after? I'm good giving that up and not sharing space with the madman, meantime plotting their demise.
People who think that way in critical situations are no one to be in charge of anything. It's only responsible to not give them the power, and if they have it already, to work on lowering it, if it's in one's capacity & chances to do so.
It's interesting that under present western systems, where assaults against a person or theft and destruction of their property, are treated as "offences against the state", but are largely ignored by the state (it is much easier for a bureaucratic system to get its quota of arrests and convictions for victimless "crimes"), and even if offences against individuals are followed up, the actual victim gets no recompense...
there is little incentive for victims to participate in the state sector [in]justice system.
There is also a proliferation of people who have learned that they can live without respecting reciprocity in human interactions.
You are absolutely right, that if (or when) SHTF, those anti social individuals which the present system facilitates, are going to have to re learn some manners and common human decency, very quickly.
or else receive a trace element supplement*
However, if and when modern society breaks down, much of humanity will resort to destructive, primitive, & basic reptilian thinking. It would be great if people would try to maintain some form of civility, but many will be in desperate need of water, food, toiletries, drugs, etc, and will resort to violent means to acquire those things. Money will be rendered meaningless, and lawlessness and violence will reign supreme.
@Cashew has very nicely addressed the question of money very quickly arising on a market ( Here's another example, from WW2 POW camps
https://duckduckgo.com/?q=The+Economic+Organisation+of+a+P.O.W.+Camp.+by+R.A.+Radford+.pdf&t=debian ) The collapse of the division of labour and the economy that brought down the Roman civilization does have many parallels with today, with an imperial leadership that continually diluted the purchasing power of the money (in the Roman case, there is a very nice graph showing the decline in the silver content of dinari coins through the "Empire" period, compared to the present day erosion of the purchasing power of the Dollar, especially following the "closure of the gold window" by Tricky Dicky Nixon in 1971) while trying to enforce price controls on the plebs.
The Roman civilization's collapse and the collapse which will happen to us, unless there is a change away from fiat currency. Is not due to the absence of rulers - it is caused by rulers, using currency debasement as a mechanism to transfer wealth away from productive people and to the rulers and their cronies. Recent examples of this include Zimbabwe, Venezuela, Argentina (several times), and it looks like Japan is heading that way now.
The rulers are the ones who want us without guns, supposedly so we don't go hurting each other, while during the 20th century alone, outside of war, governments killed at least 262,000,000 individuals, many more than the wars of that century, and many more than all private sector murderers in all of human history (
https://en.wikipedia.org/wiki/Democide#Examples ).
It is a good idea for as many people as possible to understand what money is, and how it works, so that we can speedily discover new monies, when the state imposed ones collapse.
Regarding the Hobbesian Myth (without a monopolist of violence, there would be a war of all upon all, human life would be nasty short and brutish). Thomas Hobbes got his cause and effect messed up:
It is rulers who pit groups of people against each other, and who present themselves as the peace makers - at a very high price (20%+ VAT, 30%+ income tax, property tax, fuel tax... c3% compound erosion of purchasing power of savings per year since 1914...).
When the state systems collapse, or a coup d'etat takes place, some remnants of the regime, continue to live as they have become accustomed, by violent extortion. Examples of this are
- former ministers and generals of Said Barre's Soviet client regime who currently operate as warlords around Mogadishu in Somalia ( Away from Mogadishu, for example Puntland and Somaliland, the standard of living has moved from bottom of the rankings of sub Saharan African countries to around half way up those rankings, since the Barre regime was dismantled, it is still Sub Saharan Africa, but it is getting better at a faster rate than its statist neighbours).
- The Sicilian Mafia and Calabrian Camorra, representing remnants of a former Sicilian/Neapolitan regime
- The Chinese Triads, who are descended from remnants of the Ming dynasty regime.
The people themselves are very good at interacting peacefully:
http://www.bookdepository.com/Law-Somalis-Michael-Van-Notten/9781569022504
http://www.bookdepository.com/Indigenous-African-Institutions-George-B-N-Ayittey/9781571053374
http://www.bookdepository.com/Enterprise-Law-Bruce-L-Benson/9781598130447
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* Lead