It's informative to look at actual examples of SHTF scenarios, war zones for example. In Afghanistan, Chechnya, Syria and so on, groups band together for survival. As far as I can tell it isn't particularly about the fortified redoubt. And armed militias seem to be the form that the groups take. I don't think it is the wealthy business executives that rise to head those militias. So maybe these rich peppers will just…
Wealthy capitalists and other top elites most usually use their resources to protect themselves and relocate before, during, or shortly after the collapse, rather than hanging around to lead militia groups for any extended period after the collapse.
But that still takes resources of the right kind at the ready.
(Though it's often the wealthier of those remaining behind -- usually middle to upper-middle class -- that end up leading groups.)