Wow what a post! You do deserve a tip for hard work and your troubles of writing this!
Why thank you kind sir.
In theory, in the event of an economic collapse where people cannot pay rent and mortages, it is highly likely that we will evolve to go underground and establish underground colonies - after all the military have had underground colonies for decades, why should civilians fund war through mortgages and banks when it would be far cheaper to buy land and build INTO the ground?
So perhaps, establishing vaults underground, and using a digital currency (bottlecaps) is not so much fantasy as a prophetic direction we will have to take in the event of an economic collapse, but its not all bad news when we look at Total Recall they had fantastic underground cities (or maybe it was domes) and of course being under ground it has huge advantages;
1) why do western economies insist on us building skyscrapers when the military and covert organisations and staff all have underground bases and facilities?
2) given the event of fire in skyscrapers there are no ways out, and thus the terrible events of 9/11 show us the horrible realisation of this
3) buildings built into the ground cannot be targeted by random events or by the air like drones
4) buildings built into the ground can easily be segregated by air tight compartments and therefore fires and explosions can easily be contained to restrict loss of life
Also "actually" by building underground existing cities creating an almost mirror image, it would be possible to house 14 billion people (or more) because it would be far easier to create structure downward than upward against gravity and the problems of stability particularly in earthquakes.
So once again, its either pay hefty mortgages forever, or start to build underground cities, so you can choose to live with your governments and the lies (and get a little bit of money for it) or go underground and live the Fallout prophetic future, if the economy collapses we wont have a choice millions more will be homeless, and the currency of choice, of course Bottlecaps?
Personally I think there is far more to this thread than meets the eye, time will tell, but if Fallout has been predicting the future all this time, because of potential connections it wont be too long before we see some evidence. If anyone else has any ideas or finds anything connected to this by all means post up - I would love to see what you find in any of the Fallout Games or games by Bethesda that may have featured subliminal, cloaked, double meaning, or illuminati/freemasonry connections artwork, music, titles, text, etc etc.
Play the games. Let me know what you find, oh and let us know strange places you find Bottlecaps. I need to go and have a Nuka Cola!