One of the main roles that the modern state performs is that it at least theoretically backstops all contracts, which makes it easier to do business with strangers and near-strangers. As that critical role becomes more theory and less practice, direct, unmediated trust becomes more critical for getting anything done. This means that it becomes more important to defect your primary loyalty to some combination of your family, ethnic group, religious affiliation, and quite probably gang or local business affiliation. This process is common within all collapsing states and need not be cause for all that much mourning, although it is cause for alarm.
Trust is a scarce resource, probably the scarcest resource in a society becoming increasingly chaotic, and it’s also crucial for constructing anything of consequence. Rather than having that resource provided to you for ‘free’ as an entitlement that comes with your birth certificate, you have to build it for yourself or pay in to an alternative network to gain access to it.
What we should expect to see is a contraction in the above-ground, official society, and a growth in the underground, unofficial society in which the work of actual survival can take place. Attempting to extract resources from the official network will become harder and less consistent, while extracting resources from the occluded networks will become easier and more profitable.