One of the very first necessities that needs to be covered during a global depression is water.  When government, utilities and other systems are running up to speed and you have the ability to pay the bills, you will not have to worry about them unless a natural disaster occurs.  The problem with a global depression is that it is very similar to a natural disaster.

If you are unable to pay your utility bills, or if your city government goes bankrupt and is unable to keep a water plant running, you may need a new plan to get water...

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