@Stahesh but today, people can just move to another country. all this "the sky is falling" is just because people don't vote with their feet because they are lazy.
@Stahesh even if you would have a mortgage, you can always get rid of it. if you are penniless, make a 6m-12m plan and save. again, it is purely mental, not financial issue. as TFM says, pain of inaction must hurt more than pain of action.
@Justicar Yea but for some people can be too late.
So far I am saving and I want to decide where to go and what I will need. To start somewhere else. Will later need to find what jobs will be available and learn their laws.