Why would you hide in a little hand made cave instead of taking up arms, if things get bad?
If things go to hell, I can not imagine not putting one.s life, fortune, and sacred honor on the line to restore things.
Hand made cave? Ooooook......
But I like to make sure my family had shelter what ever the emergency.
I also hate to brust your ‘Mad Max’ fantasy but not every emergency requires the taking up of arms.
Some of us are physically incapable of fighting openly (although there are other forms of resistance). Some have families that we’d want to keep somewhere safe while we fight. Some would just want a safe place to rest between battles, or to heal from injuries sustained in such battles.
Even soldiers have bunkers.
Even the army needs an HQ! :O