What can be the best type of safety net in hard times?

the best type of safety net in hard times is mortgage

mortgage is the part of wealth, property or any personal thing that can be kept with a lender to lend someone money in hard times. the lender puts a condition that if the borrower did not give the loan in return within the specific period of time then the borrower's property would become the property of lender. this in hard times because if the loan is taken then it needs to be returned and this might happen that no one is willing to you in giving loan, therefore mortgage can be in the case if no one is willing to give loan.

an energy transformation flow diagram is shown

where is it ?

so easy. just google the electromagnetic waves and it’ll pop up.