This is just a question on whether one were rich or not lol.

But anyway, both option tend to end with everyone dead or at least only 0.001% surviving if we’re talking about Thanos snap situation. The 1% cannot run any facility on their own(electricity, plumbing, health, etc), and tend not to be a survivor expert. Infighting will happen soon, and tribes will form. If it happens in winter, the one from cold country will all die out if they don’t all have doomsday vault, leaving those from the warmer climate to face the element. In the end, they will realise the billions and millions of moneys they accumulated is worthless if there’s no way to use it.