Most Americans have negative net worth. Their combined liabilities - assets are negative. Largely due to high uncollateralized debts e.g. credit cards or car loans with negative equity or underwater mortgages and of course various "off-balance sheet liabilities" e.g. fixed costs such as utility bills etc.
Most survivalists would put the latter three well ahead of the first three, I get it. But from a deflationist stand-point, this is the order.