The key to insulation is have less.

Organisms in the wild don't out last their oponnents by expending energy better or being bigger, stronger. They win by being harder to kill, needing less.

Buy less, own less, need less. Got a big house? Sell it. Got two cars? Fuck you, sell both, buy a beater.

My family has cash, a shack, and enough liquidity and explosives to last a year.