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I enjoy the idealism of the sentiment of your post, but it won't happen. Life would go on as is even if a couple major cities were destroyed. It would be devestating, but there would be no "starting over" for us, our debts, or our work life.
Am I the only one here that thinks if you borrow money you should pay it back? Also, if the banking and credit system immediately collapsed, you had better have some really amazing essential capital on hand like fresh water or livestock or a rare and useful trade or guess what? You're fucked. The idealism of a "restart button" is just that, idealism. Doesn't exist without lot's and lot's of blood and death. Think Mad Max times 100.