90 percent disaster at what rate? If it happened overnight with mass casualties and isolated pockets of survivors there would be plenty of left over stuff that could be used to get over the immediate hump of not being able to buy anything. You would just take it. Canned food and replaceable vehicles.
There is a real percentage of people living everyday without all the benefits of modernized living. Some of them are probably close enough to the edge to be considered living off the grid. These people are already in remote areas, not in the middle of populated areas. Assuming that the change was locally activated and not from outer space, effecting major population areas, I would figure these people might have a big head start, as they wouldn't necessarily be starting over from scratch.
There was a great deal of human activity during the ice age, but most people would probably give that style of living a negative grade for quality of life. Humans lived without modern devices and a quality of life we would consider to be non existent for a million years.
If it was a gradual but determined downward spiral for life forms that support us, and most plant based food sources died out we could make food from oil. Electricity would be provided by anything that didn't use oil. It would probably look like medieval times. Quality of life would probably be based on what you could hold onto. The wealth disparity would be a million to one.