Personally, I think that's exactly what would happen if TSHTF. Forming community and leveraging off each other's expertise would be the better choice as far as I'm concerned.
The other thing that could occur, using your suggestion, is the development of cells. Small groups of like minded folks spread out over a large geographic area that could help each other should something bad happen. (not sure I like the conotation of the word "cells" but, you know what I mean.).
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