The problem with that analogy is that it fails. The guy that you are actually have tangible skills and the rich friends have numbers on a spreadsheet. You have lots of guns and ammo. And a garden which keeps you fed, if not overmuch fed. You credit card is maxed out, but its with a small limit and you have never missed a payment.
Your house looks dilapidated, but the roof keeps out the rain., Your car is rickety and old, but it is very reliable and goes anywhere, while you friedn masarati needsnpoerfct roads,.
There is a reason why when there is an actual problem, you are fine, be it COVID, or wars or insurgencies or financial emergencies, since tou have actual atanible assets that you can depliyt and your friends have seen it.