Nice to know you've been so sheltered until now.
There doesn't need to be anywhere near a total collapse (interesting that you hedge with a rather extreme definition of "collapse") for public services and safety to degrade to a level that adversely affects the health and safety of ordinary citizens for a period of days to months. One only need to look to Latin America's last big economic collapse, the Syrian War or the roughest periods of post-Communist Eastern Europe to witness a massive drop in police protection, civil service resources and public utilities.
By the way, hundreds of thousands families in World War II were instantly displaced or caught in harrowing deadly situations by army movements, massive bombings, deliberate targeting of civilians and frequent rounds of genocide. In many major cities services were disrupted for weeks, months, even years. A Jewish family, much less *any* family in Europe in 1939 would have been well served by some survival training, spare supplies, escape plans, safety plans and a even a serviceable, concealable weapon in many cases.