First, I claim there exist disasters that are not simple to mitigate against collectively. Civil unrest (the full spectrum, from vigorous protest to outright governmental collapse) being the big one I have in mind.
Second, I claim that the wealthy character in the story above has significantly greater ability than the non-wealthy character to: (1) have accurate situational awareness about disasters (e.g., can distinguish shit actually hitting the fan from shit narrowly missing the fan (possibly via superior sensing apparati, more likely, just by delegating the task)); and (2) have well-equipped (read: expensive) bug-in/out plans in place. Thus, even in cases where disasters are mitigated against collectively as you claim is possible, the wealthy character will be in a better position to maintain their pre-disaster quality of life than the non-wealthy character.
That said, this is all a little too removed from a concrete comparison for my liking. Maybe you have one in mind? Ideally, an example where collective efforts at disaster mitigation basically made outcomes for individuals insensitive to the wealth of those individuals.
