When pensions begin to go bankrupt, it will trigger the largest economic collapse in American history.
The global economy and traditional institutions such as financial, academic and government will fall or be changed severely.
The movies and televisions shows popular over the last decade aren't predictive in regards to biological weaponry, but rather the true nature of American ghetto inhabitants once EBT and gibs stop flowing.
The average nog community lacks the social cohesion and possibly even language for them to band together aside from roving gangs to loot, kill and move on.
There will be large geographical areas cordoned off, and nog gangs will quickly devolve into urban raider groups similar to the fallout franchise.
Anyone living in less than 60% white/spic urban areas is advised to move to at least the outskirts before the end of the year.