So, in between The Passage, Year Zero, and now, low-budget high-buzz indie Monsters, is our pop culture really obsessed with American cataclysm or what? In The Passage, a virus gets loose and depopulates most of North America. Ditto in Year Zero. In Monsters, it's not so much vampires as it is very large creepy-crawlies, but the quarantine-and-everybody-dies concepts are otherwise pretty much the same:
The US is particularly miserable at putting aside money for the future. Should we blame our paychecks or our psychology?