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Without the internet, you are right, crypto is completely useless. I think you should be ready for every possible scenario. I know many people here hate FIAT but a $100 bill in your pocket might save your life if you were living in Ukraine or Russia.
I would say that is the narrative that majority created by some that they hate fiat currency but in situations like these you need fiat for your daily needs since you cannot rely solely on online transaction as the internet will be dead if you are in a war zone.
People in Russia are having big trouble right now and I don't think owning crypto is making their lives easier. Sure they can protect their wealth in crypto but these people have to eat, make their daily shopping, pay for gas etc and crypto isn't adopted that much. They can't pay their bills with crypto but almost everybody there will take your dollars.
I can only imagine how difficult things would be in a war zone and i have heard news about how people are not able to withdraw their money from bank and ATM as there is a shortage of hard cash. It is a really difficult situation to be frank.