Some good ideas. I think "personal crisis" is too vague. He seems to be talking basically about a fire, or basically just "get out of the house/apartment NOW."

In that vein, one idea I have is to adapt something I do when I travel. A "backup" credit card. Not carried with everything else in my wallet. Different place at all times. Primary card lost/stolen? If they got my wallet, at least I have a back-up.

Also, before my last trip to Eastern Europe to visit the relatives, I had to renew my (USA) passport. There is now an option to also get a "Passport card". I used this and now have an alternate ID to my driver's licence. Not good for all countries in international travel, but a good back up photo ID if my drivers licence disappears with my primary credit card.

Neither of these is a full substitute for cash.

Finally, I did, many years ago, have some neighbors lose their house to a fire. The neighborhood pitched in with whatever they needed to get by the first few days. Good neighbors are one of the best safety nets.