A house built upon the Rock.

"Beware of false prophets, which come to you in sheep's clothing, but inwardly they are ravening wolves."

Jesus adds: "Whosoever heareth these sayings of mine, and doeth them, I will liken him unto a wise man, which built his house upon a rock …but everyone that heareth these sayings of mine, and doeth them not, shall be likened unto a foolish man, which built his house upon the sand.”

Fear Not.
Maybe the reason those who don't owe anybody anything -- and are living quality lives with their families within their means -- really haven't been affected by the fear-mongering and are not afraid is because they understand the true value of life.

They're already saved, and don't need a billion dollar bailout today and again tomorrow, to convince them of the inherent goodness of life. Tough times don't last; tough people do. And you can't measure their worth by totalling up life insurance policies, stock payouts, and property values. No fudging the figures until one day you wake up, the bill's have come due, and suddenly the desperation sets in.