in is truly accepted that money is the only option in emergency, but it should be according to the situation, what situation you gave in that money will also not be useable. everything has its own usage.
I think that in the real emergency cases even the cash couldn't be useful, because the person's life will be in danger and then people usually don't think about using cash or bitcoins, they usually in this cases think about survive..
In the first few hours, yes, but then, if you survived the disaster you'll need something to eat and then you'll need some cash or Bitcoins if it is possible to use them where you are.
Yes, this kind of situation mainly dependent on where you are living in. I believe with bitcoin debit-cards (even it has some higher fees compared to our bank cards) it is completely possible to face any situations with bitcoin.