When hard times come, then id do and have done, whatever it needs to keep my head above water.
best thing I ever did, was set up a a legit business, and I reckon by the time im 30 (but hopefully sooner) then ill be off the 'tools' and taking a back seat. Iv devoted time, and lots of it,,,, and money, lots of that too, into making things work for me!
But if it went tits up id just buy an oz of coke & steal some cars