All right, maybe misinterpreted based on barrage of other comments, but check this out.
I forget whether it's on chain or not, but idk why you can't do something similar to Offline Cash with Lightning, or perhaps a not fully trustless Chaumian mint. https://twitter.com/offlinecashco
Whats problematic is - you never know in advance when big backout happens. So having amount of trusted or semitrusted notes just in case doesnt seem like viable option.
Gonna ask guys who develop custodial wallets what they think.
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Well, it seems that for emergency preparedness, having food, batteries, bullets etc will be what matters. If you can't move about easily, you might not be able to transact effectively.
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