SHTF can happen at any time.
Here is mine.
My landlord recently sold the property I was leasing to operate my business to a big corporation. The corporation gave me a month to vacate the property as they have new plans for the building. At the end of this month I will be without a business and income. Five years ago I employed 20 people. Today these employees are all wards of the State. The failed US State cannot come fast enough for me. Let it all burn down so we can build it new.