Maybe it was completely "random" and some "happypreppers" made it made it in their bunkers, while all the military institutions failed. :P
When the entire human population is on the line, you ought to check genetics, not money. Need to spawn a new, better humanity, not a genetically flawed one. :P

I have an idea already, just need to decide on the point of view. :p 1st or 3rd person. Probably 1st would be more scary~ ^{@Calluna you heard nothing}