Here's an excerpt from an essay by Eric Andrews that suggests how to adapt to a world characterized by overspending governments, boom and bust economies, deflation and inflation, greed, and shortages.
Real, useful capitalism requires not a response to the belated price signal but visionary action. And since it is already too late to alter large, long-term issues at the Governmental level—say, mass transit, zero-energy homes, or building the transmission and generation capacity to support wind-fueled electric cars—the best any of us can do is to think ahead to make sure that we ourselves are insulated from unnecessary trouble. That is to say, if you want pickled herring on Friday, would you save in strawberry jam and hope to trade? So if you want a retirement that includes food, energy, and security, wouldn't it make more sense to invest directly in those things? The working of the price signal depends on somebody else thinking ahead and saving for you, anticipating what you may need and making it. But we already know those needs will not be met in the macro sense. So if you want them and want them reliably, shouldn't you buy them now while they're cheap? Things such as a low-energy/low money input house. Things such as ways to provide and produce your own food: a greenhouse, a mushroom log, a garden, a chicken coop. Perhaps become a marginal producer of energy with investment in wind, PV, or whatever other creative solution takes your fancy. As you will have far less to buy later, higher prices and shortages will have less effect on you while the yearly savings of non-buying accrue year after year. You thereby use your retirement savings far more wisely, with far more certainty and control.